A(n) _________________ is a spending plan that allows you to estimate how much money you will need for expenses during a specific period of time.

A(n) _______________ is a result that you want to achieve quickly.

A(n) _______________ is a result that you want to achieve after an extended period of time.

Expenses that you must pay for in order to survive are

Expenses that you pay beyond the items you need are

______________________is one example of a necessary expense.

______________________is one example of a discretionary expense.

A(n) _________________ budget plans expenses for the entire year

_________________ is an example of an expense that would be covered by an emergency fund.

A long-term goal might involve

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