1) Which of the following is considered a "Fixed Expense"? a) grocery bill b) monthly rent c) weekend movie ticket d) electricity bill 2) In the 50/30/20 rule, what does the "20" represent? a) 20% for Wants b) 20% for Housing c) 20% for Savings and Debt Repayment d) 20% for Transportation 3) What is the primary purpose of an "Emergency Fund"? a) To save for a summer vacation b) To pay for unexpected, essential costs like medical bills c) To invest in the stock market d) To buy a new luxury car 4) Which budgeting method requires you to assign every single dollar a "job" until there is nothing left over? a) The Envelope System b) Pay Yourself First c) Zero-Based Budgeting d) Percentage Budgeting 5) What is a "Variable Expense"? a) A cost that stays the same every month b) A cost that changes based on usage or habits c) Money you receive from your employer d) A debt that never goes away 6) If a family’s total expenses are higher than their total income, they are running a_____. a) Surplus b) Balance c) Deficit d) Dividend 7) Which of these is the most effective way to track daily spending? a) Guessing at the end of the month b) Keeping receipts and using a spreadsheet or app c) Only checking your bank balance once a year d) Asking your neighbor what they spend 8) What is a "Sinking Fund"? a) Money lost to bad investments b) Saving small amounts monthly for a specific future cost (e.g., Christmas) c) A bank account that is losing value d) An emergency fund for plumbing issues only 9) When prioritizing a budget, which of these should usually be paid FIRST? a) New clothing for a party b) High-interest debt and essential utilities c) A subscription to a fifth streaming service d) Dining out at a 5-star restaurant 10) Why is it important to involve the whole family in the budgeting process? a) To make the children do the math b) To ensure everyone understands the financial limits and goals c) So everyone can argue about money d) To decide who gets the biggest allowance

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