top of page

 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

cshirk@gobrighter.org.  

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

​​​

bottom of page