50/30/20 Budget - A budgeting method that allocates 50% to needs, 30% to wants, and 20% to savings and debt repayment, Budget - A plan of your expected income and how you will use it to meet your expected expenses over a period of time, Cash Envelope Budget - A budgeting method where money for monthly spending is taken out in cash and placed in labeled envelopes according to budget categories. Spending occurs only from the corresponding envelopes., 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, Deduction - Any items subtracted from your paycheck, including state and federal income taxes, Social Security, health insurance or 401(k) contributions, Deficit - When your expenses exceed your income, Down Payment - A portion of the total cost of an item, such as a car or house, that must be paid at the time of purchase. The buyer will often take out a loan to finance the remaining balance., Expenses - Items or services you pay for such as rent, groceries, entertainment, bills, etc., Fixed Expense - A cost that can be expected at regular intervals and that remains the same amount (e.g., monthly rent payment), Fixed Income - Income that remains the same from week to week or month to month, Gross Pay - Total earnings before any deductions are taken, Income - Money that is received from work, investments, business, etc., Living Wage - The lowest income necessary for a worker to meet their basic needs, Low income - Not having or earning much money, Needs - Expenses that are essential for you to be able to live and function, Net Pay - Total earnings after payroll taxes and other deductions have been taken out; also called take-home pay, Pay Yourself First - A strategy where you save a specified amount of your paycheck before doing anything with the rest of your money, Public Transportation - Buses, trains, subways, and other forms of transportation that charge set fares, run on fixed routes, and are available to the public., Renters Insurance - A form of property insurance that covers losses to personal property and protects the insured person from liability claims, Residential Lease - A contract between a tenant and a landlord providing the terms and costs for renting the property, Salary - A fixed amount that you are paid over a period of time, regardless of how many hours you work, Surplus - When your income exceeds your expenses and you have money leftover, Unit Price - The cost for one item or measurement that allows it to be easily compared to other similar products to evaluate which is a better deal, Utilities - The basic services your home, apartment, or business needs to keep it comfortable and functioning properly (e.g. water, electricity, etc.), Variable Expense - A cost that appears irregularly or that changes in amount (e.g., utility bills), Variable Income - Income that varies from week to week or month to month, Wage - A set amount you are paid for every hour that you work; also called hourly pay, Wants - Expenses that help you live more comfortably,
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