121 Financial Literacy & Personal Finance Terms flashcards, ready to print. $2.99, once.
One payment buys the deck twice over: the printable PDF and every card unlocked to play online. Eight to a sheet, cut guides on every card, and the answer sheet already mirrored so a long-edge duplex print puts every answer on the back of its own question. 37 pages, US Letter, black and white. Grades 7–12.
Both halves, one price. The printable of this deck sells on its own for $1.29, and unlocking all 121 cards to play is $2.99. Bought one at a time that is $4.28. Here they are the same $2.99 purchase, so you save $1.29 — and there is one receipt to keep instead of two.
Includes every card unlocked to play online — $4.28 bought separately. One payment, no account, no renewal.
Same price, opens in the editor. Reword any card, add your own, print it your way.
Not sure yet? The first 30 cards of this deck are free to play and free to print, right now, with no email. Play the free 30 · Print the free 30
37 pages, and the backs are already right
Every front sheet is followed by its own back sheet with the rows reversed. Print double-sided, flip on the long edge, and answer number 7 is behind question number 7. Print a deck you built yourself, flip on the short edge, and every answer lands on the wrong card — which nobody finds out until sixty cards have been cut apart.
- 121 cards — counted out of the file, not rounded up
- Eight cards a sheet, with cut guides
- US Letter PDF, black and white, photocopier-friendly
- Print a set per student, every class, every year
121 cards — the personal finance vocabulary a semester course covers. Beyond this you are into professional finance rather than classroom material.
A specialist read every one of these 121 cards
Not a sample. Every card. That audit covered 5,420 cards across 30 decks and it changed things: every physics formula was rewritten to carry the conditions that make it true, and one deck on US civics was withdrawn from sale entirely rather than patched, because it taught a superseded edition of the citizenship test. You cannot buy that deck here. That is what checking looks like when somebody is accountable for the cards.
What 121 printed cards do that a screen does not
A phone deck is one card at a time. A printed deck is a pile you can split: the ones you know, the ones you nearly know, and the ones you keep missing. That third pile is the entire study session, and it is the thing a scrolling app hides from you.
- Print once, use all year. The licence covers a set per student, every class, every year.
- No device, no login, no data. Works in a cover lesson, on a bus, or at a kitchen table. Grades 7–12, filed under career, tech & modern.
- Change what you disagree with. Every card loads into the free maker on this site. Reword it, drop it, add your own, reprint.
Here are the first 30 cards, written out
Check them against your own textbook before you spend anything. If you do not like how they are worded, do not buy the deck — that is what this list is for.
- Budget
- A plan for what money comes in and where it goes each month
- Income
- Money you receive — wages, tips, interest, gifts
- Expense
- Money you spend. Track it or a budget cannot work
- Fixed expense
- A cost that stays the same each month. Ex: rent of $900
- Variable expense
- A cost that changes month to month. Ex: petrol, groceries
- Discretionary spending
- Wants rather than needs — the first place to cut
- Surplus
- Income minus expenses when the answer is positive
- Deficit
- Spending more than you take in. Ex: $2,000 in, $2,300 out
- 50/30/20 rule
- A guideline: 50% needs, 30% wants, 20% saving and debt
- Pay yourself first
- Move money to savings before you start spending
- Opportunity cost
- The value of what you gave up to choose this instead
- Emergency fund
- 3–6 months of expenses kept liquid for job loss or repairs
- Liquidity
- How fast an asset turns into cash without losing value
- Net worth
- Assets minus liabilities. Ex: $12,000 − $9,000 = $3,000
- Asset
- Something you own with value — cash, a car, investments
- Liability
- Something you owe — a loan, a credit card balance
- Gross pay
- Your pay before any deductions come out
- Net pay (take-home pay)
- What lands in your account after deductions
- Deduction
- Money withheld from a pay cheque — tax, insurance, retirement
- Hourly wage
- Pay per hour worked. Ex: $16/hr × 20 hrs = $320 gross
- Salary
- A fixed yearly amount, paid in equal instalments
- Overtime
- Hours past the standard work week, paid at a premium rate — in the US, past 40 a week at 1.5×
- Commission
- Pay as a percentage of sales. Ex: 5% of $8,000 is $400
- Minimum wage
- The lowest hourly rate an employer may legally pay
- Benefits
- Non-cash compensation — health cover, leave, retirement match
- W-4 form
- US form telling an employer how much tax to withhold
- W-2 form
- US year-end statement of wages earned and tax withheld
- 1099 form
- US form reporting income paid to a contractor, not an employee
- Income tax
- Tax on money earned — in the US charged by the federal government and often by the state too
- Sales tax
- Tax added at purchase. Ex: 7% on $40 adds $2.80
Download all 121 cards — $2.99
The printable and every card unlocked to play — $4.28 bought separately, $2.99 together. One payment, no renewal, no account. Or take every deck: Study Pack, $11.99 a month — all 78 decks, all 7,178 cards, every printable, no ads. 5 single decks costs more than one month.
Includes every card unlocked to play online — $4.28 bought separately. One payment, no account, no renewal.
Same price, opens in the editor. Reword any card, add your own, print it your way.
Questions
- How do I print them double-sided?
- Double-sided, flip on the long edge. Every front sheet is followed by its own already-mirrored back sheet, so print them in the order they come and every answer lands on its own card.
- Can I edit the cards?
- Yes, and that is half the point. Once you own the deck, the "Buy & edit" button here opens all 121 cards in the free flash card maker on this site — reword a definition, delete the ones you do not teach, add your own, and print at anything from two to nine cards a page, rather than the fixed eight of the PDF.
- Can I print a set for every student?
- Yes. Personal and classroom licence: unlimited printing, every class you teach, every year you teach it. It does not cover reselling the file or passing it on to a colleague.
- What if I find a card that is wrong?
- Tell us and we fix it, and we publish what changed. We have withdrawn a whole deck from sale for being out of date rather than quietly patch it.
- Do I need an account?
- No. $2.99 at Stripe, the file downloads on the way back, and the deck stays unlocked in this browser.