# Consumer Math Vocabulary Puzzles

Our all-new Consumer Math Vocabulary Puzzles are a great way to hone students’ math vocabulary skills. The new version of our puzzles does NOT require any Java applets. We have crosswords puzzles with three levels of difficulty, and a Consumer Math word search. All resources are interactive, engaging, and include a timer. Solutions are also provided. Choose a puzzle below to get started. Be sure to try our related activities, too!

 Consumer Math Crosswords Easy Medium Hard Solution Consumer Math Word Search Search Solution
 Related Consumer Math Activities Unit on Consumer Math Percentage Worksheets Percent Goodies Game Percent in Daily Life WebQuest

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### Featured Consumer Math Vocabulary Words On These Puzzles

Annual Percentage Rate (APR) – The Annual Percentage Rate (APR) represents the annualized interest rate charged for borrowing or earned through investing, including all fees and charges. It serves as a standardized measure for comparing the cost of borrowing or evaluating investment returns across different financial products.

Budget – A budget is a financial plan that outlines expected income and expenses over a specific period, typically monthly or annually. It helps individuals or organizations allocate resources effectively, prioritize spending, and achieve financial goals.

Compound Interest – Compound interest is the interest earned on both the initial principal and the accumulated interest from previous periods. It allows investments or loans to grow at an increasing rate over time, compounding the effect of interest on the principal.

Credit Score – A credit score is a numerical representation of an individual’s creditworthiness, based on their credit history and financial behavior. It is used by lenders to assess the risk of lending to a borrower and determines the terms of credit, such as interest rates and loan approval.

Debt-to-Income Ratio – The debt-to-income ratio is a financial metric that compares an individual’s monthly debt payments to their gross monthly income. It provides insights into an individual’s ability to manage existing debt obligations and is used by lenders to evaluate loan eligibility and affordability.

Discount – A discount is a reduction in the price of a product or service, typically offered as an incentive to encourage purchases. It can be expressed as a percentage or a specific amount subtracted from the original price.

Down Payment – A down payment is a initial payment made towards the purchase of a large-ticket item, such as a house or car, typically representing a percentage of the total purchase price. It reduces the amount financed and demonstrates the buyer’s commitment to the purchase.

Fixed Expenses – Fixed expenses are recurring costs that remain constant over time, regardless of changes in usage or consumption. Examples include rent, mortgage payments, insurance premiums, and subscription services.

Gross Income – Gross income is the total income earned by an individual or business before deductions or taxes are applied. It includes wages, salaries, bonuses, rental income, and other sources of revenue.

Interest – Interest is the cost of borrowing money or the return earned on invested funds, expressed as a percentage of the principal amount. It compensates lenders for the use of their funds and rewards investors for lending or depositing money.

Investment – An investment is an asset purchased with the expectation of generating income or appreciation over time. It can include stocks, bonds, real estate, mutual funds, and other financial instruments.

Liability – A liability is a financial obligation or debt owed to another party, typically arising from borrowing money or contractual agreements. It includes loans, mortgages, credit card balances, and other forms of indebtedness.

Net Income – Net income, also known as profit or earnings, is the amount of income left after deducting expenses, taxes, and other deductions from gross income. It represents the actual profitability of an individual, business, or investment.

Principal – The principal is the original amount of money invested, loaned, or borrowed, excluding any interest or additional charges. It serves as the basis for calculating interest and determining the total amount repaid or earned.

Sales Tax – Sales tax is a consumption tax imposed by governments on the sale of goods and services, usually calculated as a percentage of the purchase price. It generates revenue for local and state governments and is collected by sellers at the point of sale.

Savings – Savings refers to the portion of income that is not spent on consumption and is set aside for future use or investment. It provides a financial safety net, funds for emergencies, and resources for achieving long-term financial goals.

Simple Interest – Simple interest is the interest calculated only on the initial principal amount, without considering any accumulated interest from previous periods. It is commonly used for short-term loans and investments with fixed interest rates.

Tax Deduction – A tax deduction is an expense or item that reduces taxable income, resulting in a lower tax liability. Common deductions include mortgage interest, charitable contributions, and certain business expenses.

Taxable Income – Taxable income is the portion of gross income that is subject to taxation after accounting for deductions, exemptions, and credits. It serves as the basis for calculating income taxes owed to the government.

Term – In finance, a term refers to the duration or period of time over which a financial obligation or investment lasts. It can include loan terms, investment terms, or contractual agreements.

Utility Bills – Utility bills are invoices issued by service providers for essential services such as electricity, water, gas, and sewage. They represent the cost of consumption and are typically billed on a monthly basis.

Variable Expenses – Variable expenses are costs that fluctuate over time and are dependent on usage or consumption. Examples include groceries, entertainment, transportation, and discretionary spending.

Warranty – A warranty is a guarantee or promise made by a seller or manufacturer to repair or replace a product within a specified period if it fails to meet certain standards or expectations. It provides consumers with assurance of product quality and performance.

Withholding – Withholding refers to the amount of income withheld by employers from employees’ paychecks to cover income taxes, Social Security contributions, and other mandatory deductions. It ensures that individuals meet their tax obligations throughout the year.

Zero-based Budgeting – Zero-based budgeting is a budgeting technique where all expenses must be justified for each new budget period, starting from zero. It requires allocating funds based on needs and priorities, rather than historical spending patterns, promoting efficiency and accountability in financial management.