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A plan for saving and spending money.

I spent all of my money on vacation now I am going to have a tighter budget.

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Money left over after a person pays their taxes and for essentials goods and services like housing food.

I have enough discretionary to pay for a nice vacation every other month.

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a cost that occurs on a regular basis and is necessary for the ongoing operation of a business.

When I owned my small business I had a lot of Recurring expenses.

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rent or mortgage bills to car payments as well as tuition or childcare expenses.

I used my fixed expenses on my car payment.

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costs that change over time.

My variable expenses are the most important exposure of my budget and require most attention.

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more money than is needed to pay for planned expenses.

I ran a budget surplus in the last three years and now I have a fund of 15,000.

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occurs when a government spends more money than it takes in.

The government is facing a budget deficit of 5 billion

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how quickly you can get your hands on your cash.

The company maintains a higher liquidity.

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introduce basic banking terms to children, who are perhaps just beginning to learn about finances. (The Federal Deposit Insurance Corp)

When I got my first bank account I learned about finance and The Federal Deposit insurance Corp.

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a friendly place where people come together to help each other save and lend money.

I went to the bank and got money from the credit union

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an account in a bank from which the depositor can draw money by writing checks.

I have a checking account at the key bank.

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a computerized electronic machine that performs basic banking functions.

Me and my mom took a ride to get some money out of the ATM.

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a card like a credit card but by which money is withdrawn from the holder's bank account immediately at the time of a transaction (as a purchase)

The debit card balance must be paid in full by the end of each month.

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Money to keep for future use.

I put money into my savings account just in case i need it.

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a type of bank or credit union savings account with some features not found in regular savings accounts.

Clearly, money can be raised from the money market for this project.

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annual percentage yield,” which is the percentage that indicates how much interest a bank account

I use apy to calculate my percentages.

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the interest rate before taking inflation into account.

Nominal Interest Rate: 6% per year.

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the rate of interest an investor, saver or lender receives (or expects to receive) after allowing for inflation.

A consumer loan has a real interest rate of 6%, and the expected inflation rate is 2%.

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a comprehensive and organized list of fees or charges associated with specific products or services a business or organization provides.

If you overdraw your account, you may be charged an overdraft fee as set forth in the Business Account Rate and Fee Schedule.

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a document that financial institutions use to authenticate a customer's signature for personal and business bank accounts.

By signing the Signature Card or using any Account or service, you waive your rights to notice of non- payment, dishonor or protest regarding all items presented for collection.

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savings specifically set aside to cover unexpected costs, like medical bills or car repairs.

I put money into my emergency fund Incase something happens.

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an official list of everything paid into and out of a bank account.

The next morning Caroline examined Livy's bank statement with a knowledgeable eye.

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Personal Identification Number. It is usually a 4-digit code that you need to enter when you take money out of an ATM using a debit card.

I used my pin when I made a transaction at starbucks.

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When the amount of money withdrawn from a bank account is greater than the amount actually available in the account.

My nextflix charged my card and I had an overdraft.

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commonly charged by banks when an account lacks the funds needed to cover a transaction, and the bank doesn't allow the transaction to go through.

to penalize customers for writing checks for money they don't have.

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The intentional misrepresentation of information or identity to deceive others, the unlawful use of a credit or debit card or ATM, or the use of electronic means to transmit deceptive information, in order to obtain money or other things of value. Fraud may be committed by someone inside or outside the business.

Erin was found guilty of bank fraud.

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The Federal Trade Commission

The company is being investigated by the ftc.

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occurs when a person's personal identifying information is used without their permission, usually to commit fraud by making unauthorised purchases or transactions.

I committed fraud when I used someone else's identity to buy something illegal.