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FINANCIAL LITERACY 2023

Professor G. Gary Rhine
Spring Cornerstone Course-2023
Across
The ___________ concept of money management is based on spending less than you earn.
Consider your multiple intelligences as well as ______when constructing a monthly budget.
Avoid phishing ______ that ask for your social security and pin numbers.
A part time _____ may help you become more effective in time managment
Fatigue and ________ can result from stretching yourself to thin.
Focusing on what is in your best interest financially is you personal ___________.
Tuition continues to _______ more quickly than the rate of inflation
Contact www.annual creditreport.com for further __________ on credit issues
Retirement ___________ is important because Americans are living longer and want to remain well and comfortable.
The number 1 stressor for most people in america is ____________.
For most, building,maintaining, and repairing their ________score is an ongoing challenge.
__________ show that most students have a least one credit card.
Credit cards are particularly ___________ for students.
Complete the ________ application early to increase your chances of being considered for finanacial aid.
Fee Harvesting cares feature low credit limits and are __________ with extra fees.
Managing your money successfully involves ________ money management.
________Union is one of 3 primary credit bureaus who will send you a credit score and credit history
Down
About 50% of students have ________ or more credit cards.
Savings are absolutely essential for your _____________.
Credit Card companies are in ___________ to make money.
_________ as a money manager requires analysis and focused attention.
Mental focus must ______ when moving from work-school activities.
Student _____________ are often awarded to those who show talent or ability in specific areas. They do not require repayment.
__________ is an important consideration in managing coursework and work.
Although not always possible monthly costs are somewhat ____________.
Another ________ form of borrowing for school expenses is credit cards.
Student _______ are a type of financial aid that students are responsible to pay back.
___________ from student loans is not an option.
____________ or disappearing grace periods have replaced the chance pay a bill late without a fee.
Usually budgets are based on a __________ basis.
The interest rate on credit cards is usually 18% or ____________.
Student _______ are financial aid-based on need- that do not need to be repayed.
A monthly heating bill expense may be _____________.
If you are not careful credit cards can ______________ plunge you into a hole of debt.
Going to school is a calculated __________.
If you are having problems with finances always talk with the financial aid ____________.
________ learners may want to create a budget chart monitor and record saving money efforts.
With credit cards _________ can escalate quickly.
Even slightly late credit card payments result in late ___________.