MoneyU Glossary of Terms

MoneyU Glossary of Terms

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Billing Statement

A monthly bill from your credit card issuer which describes and summarizes the activity on your account including the outstanding balance, purchases, payments, credits, finance charges and other transactions for the month.


A certificate representing the purchaserÔÇÖs agreement to lend a business or government money on the promise that the debt will be paid ÔÇö with interest ÔÇö at a specific time. An investment security for which a government or corporation promises to pay an amount at maturity (usually more than five years in the future), with interest, in return for the current investment. A bond is a tradable security. The minimum investment in most bonds is $1,000.


The person who signs and agrees to the terms of a promissory note and is responsible for repaying the loan.

Bottom Line

The bottom line is your monthly income less expenses.

Brokerage Account

An account at a securities firm that can be used to buy, hold, and sell equities and fixed-income investments. Brokerage accounts are not insured against loss of your investment.


The financial record you use to keep track of the money you earn, how much you spend and what you spend it on. Your budget also includes savings and how much you pay to your creditors.



Mental or physical ability for something or to do something.


Economic resource or resources that can be used to generate economic wealth.

Cardmember Agreement

The issuerÔÇÖs written statement of terms and conditions relating to your credit card account. The Cardmember Agreement is required by Federal Reserve regulations. The Agreement states that the annual percentage rate, the monthly minimum payment formula, annual fee, if applicable, and your rights in billing disputes.


Pattern of activities and positions involved in an individualÔÇÖs lifetime of work to which the person has made a long-term commitment.

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