(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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Expense that varies in dollar amount from month to month but that you can expect to have every month
Variable Expense
A record that summarizes all of the income and outgo (spending) over a certain time period
Cash-Flow Statement
A written plan for giving, saving, and spending
Budget
A budget actually
Gives you permission to spend
Research shows that nearly half of Americans feel stress and anxiety about the amount of __ they have
Personal Debt
Expense for things you don't need
Discretionary Expense
How often should you create a budget
Monthly
How many months it usually takes for your budget to start working as a budget
Three
Earnings based on a percentage of the sales made
Commission
The amount you earn before taxes and other payroll deductions
Gross Income
Tracking expenses help you
Stick to a budget
A streaming subscription is an
Example of a fixed expense
The first priority in your budget should be ...
Giving
Components of a budget
Income, Giving, Saving and Spending
Money received for work, as a gift, or through investments
Income
of millionaires stick to their budgets
93%
Going to the movies is an
Example of a discretionary expense
Food, utilities, transportation, and shelter are...
The Four Walls
The cost of groceries and gas is an
Example of variable expenses
A cash-flow plan that assigns an expense to every dollar of your income; the goal is for the total income minus the total expenses to equal 0
Zero-Based Budget
Oil changes are an
Example of an intermittent expense
You should use a budget tracking system that...
works for you
Only _ of Americans actually budget
35%
Income that comes in at different amounts or at different times, or both
Irregular Income
__ of couples in "great" marriages say they discuss their personal finances together
94%
What a person earns after payroll taxes and other deductions are taken out; often referred to as take-home pay
Net Income
When is the right time to start creating and living by a budget
Right Now
A method of budgeting that uses envelopes labeled with a specific budget category for your cash
Envelope System
Expense that occurs at various times throughout the year and tends to be in large, lump sums
Intermittent Expense
Expense that remains the same from month to month
Fixed Expense
