Getting a large tax refund

Using a budget to track where your money goes

Paying the full amount on your monthly credit card bill

Save money 1st, then spend the remaining on your needs/wants

You're withholding the right amount from your paycheck

You could be putting that money towards savings/retirement

You earn interest on the refund

You have access to that money in case of an emergency

She installed antivirus and spyware protection on her laptop

She used a secured network when working at the coffee shop

She gave her info to someone who claimed to be a bank teller

She rented her textbook via amazon.com

When you're successful in accomplishing your financial goals

If you got married or your tax situation changed

You're on track towards achieving your retirement goals

If your salary remains relatively the same

Customers usually only need to borrow money once

Lenders typically give loans out with a low APR

Customers may visit several payday loan lenders to get $

Lenders typically give out long-term loans

True

False

Local banks and financial institutions

Mom and Pop lenders

A few private institutions

Large, publicly traded companies

You will not pay extra charges besides the APR

The loan amount is usually = to the value of your item

You cannot sell an item to a pawnshop

If you don't come back for you item, the pawnshop keeps it

Short-term loans

High interest rates

Quick access to cash

Credit score is not taken into consideration

A credit check is not always necessary

There are usually no down payments needed

The consumer ends up paying more than the value of the item

The item may be delivered to your house or apartment

Have one person pay the security deposit

Join your finances into shared accounts

Purchase pieces of furniture separately

Verbally agree on how you want to share expenses

Say "yes" 90% of the time to their requests and "no" 10%

Be firm and clear in your communication

Figure out other ways you can help, such as a yard sale

Get everything in writing

You are likely to get a higher APR

You have a shorter loan term

You become the primary borrower on the loan

You may be held responsible for the debt

tell a select, few people

consult a financial advisor

abandon having a budget

pay off your debts

1 in 1,000,000

1 in 75,000,000

1 in 100,000,000

1 in 175,000,000

Paying less than the minimum amount is NOT considered as missed

You get a bad mark on your credit report

Your interest rate may increase

You are charged a late fee

repay all or part of your debt using a 3-5 year repayment plan

you have all or part of your debts discharged

must prove your income is less than the state's median family income

must get credit counseling

Student loans

Employer withholding taxes

Credit card debt

Mortgage and auto loans

You may get new credit card offers in the mail

You may be rejected for new lines of credit

You can get a lower interest rate on an existing loan

ID theft doesn't impact you, only your credit score

You'll have to close any exiting accounts at banks

Credit lenders will reach out to you with new offers

Your interest rates will decrease

You won't be able to open new lines of credit