Earn
This NIU department is available to assist students with resume and interview help alongside one-on-one counseling (Even after you graduate, their services are available!)
NIU Career Services
This type of account is used to set aside money for the future. This money may earn interest and is typically set aside for things people do not need/use on a regular basis (for emergencies, for example)
A Savings Account
This behavior is when criminals attempt to trick you into giving them personal information, often through emails
Phishing
This number is based on information from your credit report and predicts the likelihood that you'll pay bills/debts as agreed
Credit score
This is a tool that helps you take control of your money by tracking your income and expenses
A budget
This is a form of financial aid for students who demonstrate financial need. This financial aid is earned through hours worked and given to the students via their paycheck
Federal work study
This is often the very first step when saving or investing your money
Setting financial goals
Signing up for this gives thieves less access to your banking information because payments for salary don't arrive by mail
Direct Deposit
This type of loan is a federal loan for undergraduate students with financial need where the Dept. of Education pays the interest while the student is enrolled at least half-time
Subsidized loan
This allows you to purchase up to a pre-approved dollar limit and payments vary by how much you borrowed
A credit card
This document from your employer shows how much money you earned and how much tax was taken out during the year
A W-2
Bonds, stocks, mutual funds, real-estate, and crypto-currency are all examples of what
Investments
This can reduce the financial impact of a loss or event such as a car accident, identity theft, or medical emergency
Insurance
This is what a lender charges for allowing you to use money. It can be fixed or variable
Interest rate
Tracking these regularly can help you stick to a budget and avoid overspending
Expenses
Money received for work before taxes and deductions are taken out is known as this type of pay
Gross Pay
In investing, this word means the chance that you could lose money
Risk
A crime that happens when someone uses a person's identifying information without authority
Identity theft
Missed payments on a credit card or loan can hurt your credit score while doing this consistently can help improve it
Paying on time
When creating a budget, understanding these can help you decide what is most important (to you) to spend money on
This part of your compensation includes non-cash perks like health insurance, paid time off, and retirement contributions
Employee benefits
Before hiring this type of professional you may want to check their credentials by checking with your state's consumer protection office, the state's Attorney General's office, or the issuing agency for their license or certificate
A financial planner or investment advisor
This extra step requires a second form of verification, like a code sent to your phone, when logging into an account
You are entitled to a free copy of your credit report from each of the 3 nationwide credit bureaus every how many months? (You can go to www.annualcreditreport.com or call 1-877-322-8228 to get these)
Every 12 months
Victor E. Huskie gets $1200 this month - rent and utilities cost $900 and he wants a concert ticket for $200. What should Victor E. do first to make a smart spending decision?
Cover needs before wants