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Table of Contents
School Organizations Create Leaders ...........381
How Student Groups Operate .......................386
Parliamentary Procedure ...............................388
Part SixSix Part
Managing Your Money Manag i ng Your Money ...............392392...............
Chapter 23 Chapter 23
Paychecks and Taxes ................................... 394
Payday ............................................................395
Paychecks and Paycheck Deductions .............396
The W-4 Form ................................................397
The W-2 Form ................................................399
Taxes ..............................................................400
Income Tax ............................................................... 400
Social Security Tax .................................................. 400
Filing an Income Tax Return .........................401
State Income Tax ..................................................... 402
Tax Penalties............................................................ 402
Chapter 24 Chapter 24
Budgets ......................................................... 406
The Need for Money Management ................407
Sources of Income .........................................408
Types of Expenses ..........................................408
How Do You Spend Your Money? ..................410
A Spending Calendar .............................................. 410
How Do You Want to Spend Your Money? ....411
A “Want” List............................................................ 412
Planning a Budget .........................................412
Using Personal Finance Software ......................... 415