All of the decisions and activities of an individual or family regarding their money, including spending, saving, budgeting, etc.

A fee paid by a borrower to the lender for the use of borrowed money; typically calculated as a percentage of the principle (original loan amount).

The knowledge and skillset necessary to be an informed consumer and manage finances effectively.

A person or organization that uses a product or service

An obligation of repayment owed by one party (the borrower) to a second party (creditor/lender); in most cases this includes repayment of the original loan amount plus interest.

Assess your _______ situation.

Set money _______! Make sure you have a mix of both short-term and long-term ______.

You must write out a detailed ________ for accomplishing your goals. This begins with your budget.

Know your money _____________.

Replace money _______ with money truths.

This was created in 1933 to restore public trust in banks and encourage stability in the financial system through the promotion of sound banking practices and insuring deposits of up to $250,000 per institution as long as the bank is a member.

Established in 1933, its purpose was to refinance home mortgages in default to prevent foreclosure.

U.S. government agency that insures loans made by banks and other private lenders for home building and home buying. It was created as part of the National Housing Act of 1934.

As part of the Tennessee Valley Authority (TVA), this agency purchased inexpensive electrical appliances and then made them available to working people through installment loans with a typical repayment period of three to four years. In an attempt to reduce farm foreclosures, loans were made available to farmers under this agency. These loans were used to refinance farm mortgages or provide capital ($) for agricultural production.

FHA

You don't have to spend more _________ than you make just to look good in front of your friends. You can learn basic money principles and put them into practice.

When you manage money well, you will experience deeper _____________.

It's really simple! Personal finance is 80% _____________ and 20% head knowledge.

Money ______________ is easy--it's controlling your nehavior that's the real challenge.

As you think about the ' ______________ ' American family, remember that ' ________________' is broke. You don't have to be ' _____________'!

First, you need to be comfortable with _________ __________.

Second, you must start learning the _________________ of money.

Third, and this is the hardest part, you need to learn how to manage your ________________ with money.

Knowing the ________________ of money allows you to tell your money what to do.

You'll be able to communicate effectively with _________, financial planners and insruance agents.

You should reserve use of a credit for these specific times.