PayYourselfFirstA saving strategy whereyou put a fixed amount ofmoney into a savingsaccount immediately afterreceiving your paycheck,rather than waiting until theend of the month to savewhat's left.50/20/30RuleA budgetingtechnique where 50%of your paycheck isspent on needs, 30%on wants, and thelast 20% on savings.CreditCardDebtPurchases oradvances using thecredit card that havenot yet been paidback, owed to yourcredit card companyFree!NetPayThe amount ofmoney you receivein your paycheckafter anydeductions ortaxes are takenoutLoanA thing thatis borrowed,usually asum ofmoneyPrincipalThe originalsum ofmoneyinvested orlentBillsAn amountof moneyowed forgoods orservicesGrossPayThe amount ofmoney you receivein your paycheckbefore anydeductions ortaxes are takenoutSavingPuttingasidemoney forfuture useGovernmentspendingFederalbudget thatis approvedby CongressTransactionBuying orsellingsomething; abusinessdealAPRthe annual cost ofa loan to aborrower, includingadditional fees(expressed as apercentage)PayStubA document that isgiven to a workerwith each paycheckand that shows theamount of moneyearned and theamount that wasremoved for taxesCreditThe trust that letspeople give things(like goods, servicesor money) to otherpeople in the hopethey will repay lateronCo-SignerSomeone whosigns jointlywith a borrowerto get approvedfor a loanWantsThings you wouldlike to have; theyare not absolutelynecessary, butthey would be niceto haveIncomeMoneyreceived ona regularbasisMoney paidregularly at aparticular ratefor the use ofmoney lentInterestInterestRateThe annualcost of a loanto a borrower(expressed asa percentage)CheckingAccountAn account at abank where youcan deposit andwithdrawmoneyNeedsThings youhave tohave; theseare essentialRepaymentPlanA way to pay back aloan over anextended period oftime, generally bymaking fixed monthlypaymentsCreditScoreA rating ofyourpreviousresponsibilitywith creditAllowanceAn amountof moneypaidregularly to apersonIncometaxestax on theincome of aperson orbusinessExpensesThe costrequiredto pay forsomethingDebitCardA card issued by abank allowing theholder to transfermoney electronicallyto another bankaccount whenmaking a purchase.CreditCardA card issued by abank, allowing youto purchase goodsor services oncreditSavingsAccount A bankaccount thatearnsinterestBudgetA breakdown ofyour incomeand expensesfor a set periodof timePayYourselfFirstA saving strategy whereyou put a fixed amount ofmoney into a savingsaccount immediately afterreceiving your paycheck,rather than waiting until theend of the month to savewhat's left.50/20/30RuleA budgetingtechnique where 50%of your paycheck isspent on needs, 30%on wants, and thelast 20% on savings.CreditCardDebtPurchases oradvances using thecredit card that havenot yet been paidback, owed to yourcredit card companyFree!NetPayThe amount ofmoney you receivein your paycheckafter anydeductions ortaxes are takenoutLoanA thing thatis borrowed,usually asum ofmoneyPrincipalThe originalsum ofmoneyinvested orlentBillsAn amountof moneyowed forgoods orservicesGrossPayThe amount ofmoney you receivein your paycheckbefore anydeductions ortaxes are takenoutSavingPuttingasidemoney forfuture useGovernmentspendingFederalbudget thatis approvedby CongressTransactionBuying orsellingsomething; abusinessdealAPRthe annual cost ofa loan to aborrower, includingadditional fees(expressed as apercentage)PayStubA document that isgiven to a workerwith each paycheckand that shows theamount of moneyearned and theamount that wasremoved for taxesCreditThe trust that letspeople give things(like goods, servicesor money) to otherpeople in the hopethey will repay lateronCo-SignerSomeone whosigns jointlywith a borrowerto get approvedfor a loanWantsThings you wouldlike to have; theyare not absolutelynecessary, butthey would be niceto haveIncomeMoneyreceived ona regularbasisMoney paidregularly at aparticular ratefor the use ofmoney lentInterestInterestRateThe annualcost of a loanto a borrower(expressed asa percentage)CheckingAccountAn account at abank where youcan deposit andwithdrawmoneyNeedsThings youhave tohave; theseare essentialRepaymentPlanA way to pay back aloan over anextended period oftime, generally bymaking fixed monthlypaymentsCreditScoreA rating ofyourpreviousresponsibilitywith creditAllowanceAn amountof moneypaidregularly to apersonIncometaxestax on theincome of aperson orbusinessExpensesThe costrequiredto pay forsomethingDebitCardA card issued by abank allowing theholder to transfermoney electronicallyto another bankaccount whenmaking a purchase.CreditCardA card issued by abank, allowing youto purchase goodsor services oncreditSavingsAccount A bankaccount thatearnsinterestBudgetA breakdown ofyour incomeand expensesfor a set periodof time

NGPF-Budgeting & Credit - Call List

(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.


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  1. A saving strategy where you put a fixed amount of money into a savings account immediately after receiving your paycheck, rather than waiting until the end of the month to save what's left.
    Pay Yourself First
  2. A budgeting technique where 50% of your paycheck is spent on needs, 30% on wants, and the last 20% on savings.
    50/20/30 Rule
  3. Purchases or advances using the credit card that have not yet been paid back, owed to your credit card company
    Credit Card Debt
  4. Free!
  5. The amount of money you receive in your paycheck after any deductions or taxes are taken out
    Net Pay
  6. A thing that is borrowed, usually a sum of money
    Loan
  7. The original sum of money invested or lent
    Principal
  8. An amount of money owed for goods or services
    Bills
  9. The amount of money you receive in your paycheck before any deductions or taxes are taken out
    Gross Pay
  10. Putting aside money for future use
    Saving
  11. Federal budget that is approved by Congress
    Government spending
  12. Buying or selling something; a business deal
    Transaction
  13. the annual cost of a loan to a borrower, including additional fees (expressed as a percentage)
    APR
  14. A document that is given to a worker with each paycheck and that shows the amount of money earned and the amount that was removed for taxes
    Pay Stub
  15. The trust that lets people give things (like goods, services or money) to other people in the hope they will repay later on
    Credit
  16. Someone who signs jointly with a borrower to get approved for a loan
    Co-Signer
  17. Things you would like to have; they are not absolutely necessary, but they would be nice to have
    Wants
  18. Money received on a regular basis
    Income
  19. Interest
    Money paid regularly at a particular rate for the use of money lent
  20. The annual cost of a loan to a borrower (expressed as a percentage)
    Interest Rate
  21. An account at a bank where you can deposit and withdraw money
    Checking Account
  22. Things you have to have; these are essential
    Needs
  23. A way to pay back a loan over an extended period of time, generally by making fixed monthly payments
    Repayment Plan
  24. A rating of your previous responsibility with credit
    Credit Score
  25. An amount of money paid regularly to a person
    Allowance
  26. tax on the income of a person or business
    Income taxes
  27. The cost required to pay for something
    Expenses
  28. A card issued by a bank allowing the holder to transfer money electronically to another bank account when making a purchase.
    Debit Card
  29. A card issued by a bank, allowing you to purchase goods or services on credit
    Credit Card
  30. A bank account that earns interest
    Savings Account
  31. A breakdown of your income and expenses for a set period of time
    Budget