A common financial service used by many consumers. 3.1: Checking Accounts: Applications: p.120: 3.2: Reconcile a Bank Statement: Applications: p.127: 3.3: Savings Accounts: Applications: p.135: 3.4: Explore Compound Interest: Applications: p.141: 3.5: Compound Interest Formula: Applications: p.148: 3.6: Continuous Compounding: Applications: p.154: 3.7: Future Value of Investments: Applications: p.159: 3.8: Present Value of Investments: Applications: p.165 LESSON 9: ANSWER KEY 2.. Formerly Family Economics & Financial Education, Take Charge Today provides a consistent framework for thinking through financial choices in order to improve well-being. eBook includes PDF, ePub and Kindle version. Personal Financial Literacy Chapter 1 Test-Lopus Flashcards | Quizlet. Then, a post test is provided after Chapter 21 so students can reassess their mastery of personal finance concepts. The difference between the budgeted amount and the actual amount that you spend. 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