Net Pay - Total earnings after payroll taxes and other deductions; also called take-home pay, Expenses - Products, services, or bills you are responsible for paying, Salary - A fixed amount of money paid to an employee for each pay period., Variable Expense - Cost that appears irregularly or that changes in amount (e.g., utility bills), Fixed Expense - Cost that can be expected at regular intervals and that remains the same amount (e.g., monthly rent payment), Surplus - When your income exceeds your expenses and you have money leftover, Deduction - Any items subtracted from your paycheck, including state and federal income taxes, Social Security, health insurance or 401(k) contributions, Wage - An amount of money paid to an employee at a specific rate per hour worked., Wants - Nonessential purchases a person wants to feel happy, make life convenient, fit in with peers, etc, Deficit - When your expenses exceed your income, Income - Money that is earned from work, investments, business, etc., Gross Pay - Total earnings before any deductions are taken, Needs - Purchases a person must have to live or succeed or bills that must be paid to remain in good standing, Cost Of Living - The amount of money needed to sustain a certain level of living, including basic expenses such as housing, food, taxes, and healthcare; often used when comparing how expensive it is to live in one city versus another, Budget - A written plan that outlines how you intend to spend and save your money, Minimum Wage - $7.25 an hour in the state of Texas,

Budgeting Terms

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