Setting Financial Goals

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1. Your financial goals should be:

a. Realistic

b. Aligned with a timeframe

c. Organized by milestones

d. Open-ended and flexibile

e. Options a, b, and c

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2. The main reason that is helpful to track daily spending habits is to:

a. Enter them on a computer spreadsheet

b. Know exactly how your money is spent

c. Increase your income

d. Decrease your spending

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3. Before you prepare a spending plan, the two most important things you must know are:

a. Total income and expenses

b. Your car payment

c. How to plan for savings and food

d. What you spend on your phone bill and movies

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4. Which of the following are generally considered examples of a flexible expense?

a. Car payment

b. Car insurance

c. Cell phone plan

d. Personal expenses

e. Both c and d

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5. Which of the following are generally considered examples of a fixed expense?

a. Car payment

b. Car insurance

c. Personal expenses

d. Cell phone bill

e. Both a and b

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6. Adopt the habit of paying yourself first. On your worksheets, list savings as:

a. A fixed expense

b. Income

c. Entertainment

d. A flexible expense

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7. "Increasing cash flow" means:

a. You must get a part-time job to fill up free time

b. Getting more money from the Automated Teller Machine (ATM)

c. Borrowing money from a family member

d. Lowering your expense so you have more money at the end of the month

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8. On a pay stub, deductions made for Social Security are often referred to as:

a. SSD

b. FICA

c. Retirement

d. Social-S

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9. Social Security benefits may include:

a. Retirement benefits

b. Disability benefits

c. Survivor benefits

d. All of the above

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10. On a typical pay stub, Net pay (sometimes referred to as take-home pay) is often smaller than:

a. Total Social Security deductions

b. Gross pay

c. Overtime hours

d. Bonus pay

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11. If you earn $10.00 an hour at a part-time job and you work 16 hours in a week, your take-home pay for that week will likely be:

a. Exactly $160.00

b. Slightly more than $160.00

c. Less than $160.00 due to deductions

d. Automatically deposited

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12. If you are having trouble paying your bills, you should first:

a. Try to increase the limit on one or more of our credit cards

b. Talk to a payday lender to get some extra cash

c. Talk with parent or guardian

d. Stop all payments

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13. Your financial goals should consist of what?

a. Specific Information

b. Milestones

c. Actions to be taken

d Items you want to purchase

e. Options a, b, and c

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14. You will be more likely to do this if you track daily spending habits by:

a. Reducing deductions from your paycheck

b. Working more hours

c. Purchasing a larger number of items

d. Understanding how your money is spent

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15. You cannot prepare a personal spending plan without first knowing these two things.

a. Your total income and expenses

b. Your address and zip code

c. Your overtime hours and vacation pay

d. Your savings account's interest rate and fees

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16. Select all of the flexible expense items from the list.

a. Personal expenses

b. Monthly car payment

c. Cell phone bill

d. Savings

e. Options a, c and d

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17. Select all of the fixed expense items from the list.

a. Monthly cable television bill

b. Savings

c. Personal expenses

d. Monthly car payment

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18. You can pay yourself first by listing this item as a flexible expense on your worksheet.

a. Clothing expenses

b. Entertainment costs

c. Savings

d. Tuition fees

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19. If you increase your cash flow, then you have:

a. Agreed to work no fewer than 4 hours of overtime each week

b. Lowered your expenses and increased the amount of money you have at the end of the month

c. Doubled the amount of cash you are able to access from Automated Teller Machines (ATMs)

d. Arranged for your boss to pay you twice a week instead of once a week.

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20. When you see the acronym FICA on your pay stub, it refers to deductions made for:

a. State income tax

b. Your local plant-a-tree program

c. Social Security

d. Federal income tax

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21. Social Security benefits do not include:

a. Retirement benefits

b. Employer-funded pension benefits

c. Survivor benefits

d. Disability benefits

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22. Gross pay (on your pay stub) is usually the largest amount when compared to what other items?

a. Year-to-date earnings

b. Federal income tax deduction

c. Net pay

d. FICA deduction

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23. If you worked 10 hours in 1 week at your part-time job and you earn $8.00 an hour, take-home pay for that week will likely by:

a. Slightly more than $80.00

b. Withheld until you earn at least $100.00

c Less than $80.00, due to deductions

d. Exactly $80.00

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24. You should do this if you have trouble paying your bills.

a. Talk with a parent or guardian

b. Ask close friends to loan you some money

c. Stop paying them until you have saved enough money to continue

d. Apply for at least one additional credit card.

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