
Rules & Prizes
Budget & Investing Prizes
Full Semester Programs*
1st: $100 student; $60 teacher
2nd: $50 student; $40 teacher
3rd: $30 student; $30 teacher
4th-10th: $20 student; $20 teacher
Quarter Semester**
1st: $100 student; $60 teacher
2nd: $50 student; $40 teacher
3rd: $30 student; $30 teacher
Prize Rules:
All student prizes are shared prizes among the winning team.
In the spring contests, sponsored counties receive even more prizes!
View our state map and find out if your county
is sponsored!
Teacher request: Budget Games are open until
Jan 9th for the first semester and until May 29th
for the second semester.
Only one prize per school per division to allow
amore schools opportunities to win
All Spring Budget Challenges end (only for prizes
- the program may still be used until May 29th)
with the Investing Challenges dates, due
to the closeness to the end of year - making it
difficult to find and award students and teachers.
* Games #2, #5: Top 10 - Elem, MS & HS
** Games #1, #3, #4, #6: Top 3 Overall
The Personal Finance Lab with Brighter Financial
Futures, as described in our website, is only for
school districts in Pennsylvania.
Private Pennsylvania Schools may participate with
prizes by asking for permission at
All Rules Can Change At any time Due to
Hacking and Fraud.
Investing Rules:
-
Starting Cash: $100,000.00
-
Stocks, EFTs, Mutual Funds, Bonds & Options
-
Minimum Buy Price: $5.00
-
Commission Fee: $10.00
-
Maximum - 25% in one Investment
-
Interest on Cash Balance: 3%
-
Short Selling Allowed
-
Margin Trading Allowed
-
Interest on Margin Accounts (borrowing): 8%
I
Budget Setup Rules
Apartment Included
-
Part-Time Student
-
Full-Time Worker
Game Duration (Months): 18
-
6 Months as Part-Time Student
Starting Balances
-
Checking: $1,000
-
Savings: $0
Hourly Wage
-
Part-Time Student: $24/hr
-
Full-Time Worker: $28/hr
-
Income Tax Rate: 22.65%
Monthly Expenses
Rent
-
Part-Time: $400
-
Full-Time: $1,300
Phone Bill
-
Part-Time: $40
-
Full-Time: $80
TV/Internet
-
Part-Time: $60
-
Full-Time: $120
Energy Bill
-
Part-Time: $50
-
Full-Time: $100
Groceries
-
Part-Time: $200
-
Full-Time: $250
Car Payment
-
Part-Time: $275
-
Full-Time: $275
Car Insurance
-
Part-Time: $50
-
Full-Time: $60
Gas
-
Part-Time: $100
-
Full-Time: $100
Student Loan: $350
Health Insurance: $150
