Booklet 1:  

• needs
• wants
• values
• delayed gratification
• instant gratification
• opportunity cost
• emergency fund
• cash flow
• spending plan
• budget
• income
• expenses
• fixed expenses
• variable expense
• periodic expenses
• PYF-Pay yourself first
• spending log

---

Booklet 2:

• Credit
• Principal
• Interest
• Simple interest formula
• Amortization calculation formula
• Annual percentage rate (APR)
• Fixed interest rate
• Variable interest rates
• Maturity date
• Loan term
• Overspending
• Overwhelming Debt
• Legal Action
• Revolving credit
• Installment credit
• Cash loans
• Service credit
• Authorized user
• Capital
• Capacity
• Character (credit reports)
• Collateral
• Conditions
• Cosign
• Credit score
• Offer
• Identity Theft
• Identity Fraud

---

Booklet 3:

• Catch-Up Classes
• Merry-Go-Round Major
• Campus-Hopping
• Federal Student Loan
• Loan deferment
• Defaulting
• Private Students Loans.
• Education ladder-
• Gross pay
• Net pay
• Overtime pay
• Commission-
• Tips
• Bonuses
• Performance reviews
• Opportunities for promotion
• Opportunity costs
• Mentor

---

Booklet 4

• Saving
• Investing
• Windfalls-
• Safety
• Ease of Access-
• Interest
• Easy Tracking
• Annual percentage yield (APY)
• Inflation-
• Time Value Of Money (TVM)Asset
• Liability
• Rate of return
• Income investments
• Growth investments
• Broker
• Stock
• Shareholder
• Dividend
• Stock exchanges Mutual funds
• Real Estate
• Collectibles
• Risk tolerance
• Diversification
• 401(k) Plans