50/20/30RuleA budgetingtechnique where 50%of your paycheck isspent on needs, 30%on wants, and thelast 20% on savings.IncomeMoneyreceived ona regularbasisTransactionBuying orsellingsomething; abusinessdealCreditCardA card issued by abank, allowing youto purchase goodsor services oncreditPayYourselfFirstA 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.SavingPuttingasidemoney forfuture useNetPayThe amount ofmoney you receivein your paycheckafter anydeductions ortaxes are takenoutCreditScoreA rating ofyourpreviousresponsibilitywith creditRepaymentPlanA way to pay back aloan over anextended period oftime, generally bymaking fixed monthlypaymentsGovernmentspendingFederalbudget thatis approvedby CongressFree!CreditCardDebtPurchases oradvances using thecredit card that havenot yet been paidback, owed to yourcredit card companyLoanA thing thatis borrowed,usually asum ofmoneyNeedsThings youhave tohave; theseare essentialAllowanceAn amountof moneypaidregularly to apersonCheckingAccountAn account at abank where youcan deposit andwithdrawmoneyPrincipalThe originalsum ofmoneyinvested orlentCo-SignerSomeone whosigns jointlywith a borrowerto get approvedfor a loanExpensesThe costrequiredto pay forsomethingWantsThings you wouldlike to have; theyare not absolutelynecessary, butthey would be niceto haveBillsAn amountof moneyowed forgoods orservicesGrossPayThe amount ofmoney you receivein your paycheckbefore anydeductions ortaxes are takenoutAPRthe annual cost ofa loan to aborrower, includingadditional fees(expressed as apercentage)DebitCardA card issued by abank allowing theholder to transfermoney electronicallyto another bankaccount whenmaking a purchase.PayStubA document that isgiven to a workerwith each paycheckand that shows theamount of moneyearned and theamount that wasremoved for taxesInterestRateThe annualcost of a loanto a borrower(expressed asa percentage)BudgetA breakdown ofyour incomeand expensesfor a set periodof timeMoney paidregularly at aparticular ratefor the use ofmoney lentInterestSavingsAccount A bankaccount thatearnsinterestCreditThe trust that letspeople give things(like goods, servicesor money) to otherpeople in the hopethey will repay lateronIncometaxestax on theincome of aperson orbusiness50/20/30RuleA budgetingtechnique where 50%of your paycheck isspent on needs, 30%on wants, and thelast 20% on savings.IncomeMoneyreceived ona regularbasisTransactionBuying orsellingsomething; abusinessdealCreditCardA card issued by abank, allowing youto purchase goodsor services oncreditPayYourselfFirstA 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.SavingPuttingasidemoney forfuture useNetPayThe amount ofmoney you receivein your paycheckafter anydeductions ortaxes are takenoutCreditScoreA rating ofyourpreviousresponsibilitywith creditRepaymentPlanA way to pay back aloan over anextended period oftime, generally bymaking fixed monthlypaymentsGovernmentspendingFederalbudget thatis approvedby CongressFree!CreditCardDebtPurchases oradvances using thecredit card that havenot yet been paidback, owed to yourcredit card companyLoanA thing thatis borrowed,usually asum ofmoneyNeedsThings youhave tohave; theseare essentialAllowanceAn amountof moneypaidregularly to apersonCheckingAccountAn account at abank where youcan deposit andwithdrawmoneyPrincipalThe originalsum ofmoneyinvested orlentCo-SignerSomeone whosigns jointlywith a borrowerto get approvedfor a loanExpensesThe costrequiredto pay forsomethingWantsThings you wouldlike to have; theyare not absolutelynecessary, butthey would be niceto haveBillsAn amountof moneyowed forgoods orservicesGrossPayThe amount ofmoney you receivein your paycheckbefore anydeductions ortaxes are takenoutAPRthe annual cost ofa loan to aborrower, includingadditional fees(expressed as apercentage)DebitCardA card issued by abank allowing theholder to transfermoney electronicallyto another bankaccount whenmaking a purchase.PayStubA document that isgiven to a workerwith each paycheckand that shows theamount of moneyearned and theamount that wasremoved for taxesInterestRateThe annualcost of a loanto a borrower(expressed asa percentage)BudgetA breakdown ofyour incomeand expensesfor a set periodof timeMoney paidregularly at aparticular ratefor the use ofmoney lentInterestSavingsAccount A bankaccount thatearnsinterestCreditThe trust that letspeople give things(like goods, servicesor money) to otherpeople in the hopethey will repay lateronIncometaxestax on theincome of aperson orbusiness

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