Deck 10: Juggling: Stress, Money, Family, and Work

Question 1

A __________ is a formal plan that accounts and plans for income and expenditures.

A)grant
B)budget
C)loan
D)credit report

Answer 1

B
Explanation: A budget is a formal plan that accounts and plans for income and expenditures.Developing a budget can help solve money problems.

Question 2

Which of the following is NOT one of the three main types of stressors?

A)personal stressors
B)cataclysmic events
C)irrational stressors
D)daily hassles

Answer 2

C
Explanation: The three main types of stressors are cataclysmic events,personal stressors,and daily hassles.

Question 3

For the past two months you have used credit at the end of the month for purchases since you've run out of money by then.You realize that you are now accumulating credit card debt and that you aren't sticking to your budget.What can you do to assure that your budget adds up? Click all that apply.

A)continue to use credit and make the minimum payment each month.
B)evaluate your monthly purchases and identify impulse purchases that you can eliminate.
C)purchase and carry your own food which is less expensive than buying fast-food.
D)make use of online news services rather than purchasing magazines or books.
E)assume that since invoices and payments are handled electronically,they will be error-free.
F)Answers b,c,& d are correct

Answer 3

F
Explanation: Avoiding impulse purchases,carrying your own lunch,and using online news services can reduce your expenses and help you make a budget that adds up.

Question 4

An important step in budgeting is to make sure that your income does not exceed your expenditures.

Question 5

A nonprofit organization that can help you design a plan to pay off your debts is referred to as a(n)

A)credit counseling service.
B)financial aid office.
C)loan department.
D)investment company.

Question 6

Which of the following is NOT a bodily reaction caused by stress?

A)sweating
B)increased heart rate
C)rapid,shallow breathing
D)bad breath

Question 7

It is important to develop strategies to cope with stress because over time it can have damaging effects,such as

A)increasing your susceptibility to illness.
B)reducing your hormone levels.
C)lowering your GPA
D)keeping you from getting a job

Question 8

A change in diet may be enough to reduce your stress level.

Question 9

To sleep better at night,you should avoid using your bed as a place to study.

Question 10

According to your textbook,which of the following is an effective way to save money? Click all that apply.

A)Buy the things you want the first time you see them.
B)Share and trade.
C)Use credit as much as possible.
D)Shop at sales.
E)Live more simply.
F)Answers b,d,& e are correct

Question 11

Eating right is an important element in keeping well.Which of the following are examples of healthy eating? Click all that apply.

A)eat only when you feel hungry.
B)schedule three regular meals a day.
C)make sure you are full before leaving the table.
D)eat a variety of fruits,vegetables,and grains.
E)practice fasting after a day of eating too much.
F)Answers a,b,& d are correct

Question 12

You are having a very stressful semester and often feel overwhelmed by your school and work responsibilities.Once you have made a list of your major stressors,what can you do to effectively cope with them?

Question 13

Making exercise a group routine can distract you from your personal goals.

Question 14

How can you evaluate whether your budget is working or not?

A)Review it at the beginning of each school year and make needed changes.
B)Check with a credit reporting company.
C)Review it monthly and revise as necessary.
D)Keep track of every penny you spend,all year long.

Question 15

If you spend more than you make,you can either decrease your spending or increase your income in order to balance your budget.

Question 16

It's a good idea to worry about the small stuff so that the big stuff will take care of itself.

Question 17

Backing out of commitments when you're feeling pressured is a good way to cope with stress.

Question 18

It is important to develop strategies for coping with stress.Which of the following are suggested by your textbook? Click all that apply.

A)looking for the silver lining in negative situations.
B)talking to friends and family.
C)using relaxation techniques.
D)trying to change things that seem unchangeable.
E)ignoring the causes hoping they'll go away
F)Answers a,b,& c are correct

Question 19

Virtually any event,good or bad,can cause ___________ if it presents you with a challenge.

A)illness
B)stress
C)a poor attitude
D)anxiety

Question 20

According to the text,__________ is the effort to control,reduce,or tolerate threats that lead to stress.

A)visualization
B)coping
C)relaxation
D)meditation

Question 21

Think about the textbook's recommendations for reducing stress and maintaining a healthy lifestyle.Then,respond to the following:
a.Explain the basic rules you should follow in order to eat better and maintain your health.
b.Why does healthy eating matter when it comes to stress reduction?

Question 22

Due to unexpected car problems and being laid off from your part-time job,you have run up an overdraft on your checking account,reached the limit on your credit card,and are unable to pay this month's rent and utility bills.What can you do to deal with your immediate financial problems?