says that money received today is worth more than money received in the future.

is the amount of money a person has to spend after needs are met.

is the value of all assets, minus the total of all liabilities.

is the amount of money a person has to spend after needs are met.

are items of value that you own which may be appreciating or depreciating in value.

allows you quick and easy access to your money without penalties.

is interest earned on both principal and previous interest earnings.

are things we desire to buy.

are expenses that do not change each month.

are expenses that can go up and down each month.

is money added to a checking or savings account.

are special checks that can be ordered from banks or other retailers of personal checks. They have the advantage of leaving you with an exact and immediate copy of every check you write.

are expenses that can go up and down each month.

describe how you will pay for achieving your personal goals.

are things you want to achieve.

are things we desire to buy and go beyond filling survival needs and basic comforts.

allows you quick and easy access to your money without penalties.

is money deposited for a fixed amount of time at a fixed interest rate.

happens when money is electronically added to your checking account.

is a written order to a bank to pay the stated amount to the person or business named from a certain account.

is a convenient way to pay bills if you do not have a checking account.

is a check issued by a bank against its own funds.

is a record for keeping track of checks written and deposits made.

is a bank card that allows the account holder to make purchases and to withdraw cash from an account at an ATM.

is a demand deposit that allows you quick and easy access to your money without penalties.

a bank service directing the bank not to honor a check.

is a signature or instructions written on the back of a check authorizing a bank to cash or deposit the check.

a check written with a future date.

is a written order to a bank to pay the stated amount to the person or business named from a certain account.

is a signature or instructions written on the back of a check authorizing a bank to cash or deposit the check.

is the rate banks are charged to borrow money from the Fed.

is a discount bond issued by the United States government.

may have restrictions and/or penalties for taking out money.

is money added to a checking or savings account.

A check returned by the bank because there was not enough money in the account.

deducts money from an account and electronically transfers it to another party.

is an unplanned decision to buy a product or service, made just before a purchase.

is creating or controlling a situation by causing something to happen rather than responding to after the fact.

is to delay or postpone action; put off doing something.

is to make your check register consistent with your bank balance, especially by allowing for transactions begun but not yet completed.

is a popular method for visualizing and maintaining a budget. The key idea is to store the cash to meet separate categories of household expenses in physically separate envelopes.

is a method of budgeting in which all expenses must be justified for each new period with expected income.

is creating or controlling a situation by causing something to happen rather than responding to after the fact.

is an unplanned decision to buy a product or service, made just before a purchase.