1
Personal Readiness Seminar (PRS) Survival Skills Questions and Answers | Latest Version | 2025/2026 | Correct & Verified
What is the best way to manage your first military paycheck?✔✔ Create a monthly budget and stick to it.
Why is it important to track your spending as a Sailor?✔✔ To avoid debt and build financial security.
What is a good first step in building credit responsibly?✔✔ Pay your bills on time and use a low-balance credit card wisely.
Why should you avoid payday loans?✔✔ They charge extremely high interest and trap you in a cycle of debt.
What’s the advantage of using automatic savings plans?✔✔ You save money consistently without thinking about it. 1 / 2
2
What should you do if you start feeling overwhelmed with money problems?✔✔ Reach out to Navy financial counselors for free help.
What is the purpose of an emergency fund?✔✔ To cover unexpected expenses like car repairs or medical bills.
Why is it important to understand your LES (Leave and Earnings Statement)?✔✔ It shows your pay, deductions, and benefits — so you know exactly what you're earning.
How can you prevent identity theft while on active duty?✔✔ Monitor your accounts regularly and protect your personal information.
Why is good time management a survival skill?✔✔ It helps you balance work, personal tasks, and rest without stress.
What is a helpful way to prioritize tasks?✔✔ List them by urgency and importance using a planner or app.
- / 2