# Junior Cert Business Studies: Personal Finance questions

> Every Junior Cert Business Studies exam question on Personal Finance, grouped by level and year. Questions come from the official State Examinations Commission papers; every PDF link opens the original on examinations.ie.

Canonical: https://examai.ie/past-papers/junior-cert/business-studies/topic/personal-finance

Household budgets, income and expenditure, wages and deductions, banking, borrowing, saving and investing, and insurance.

30 past Business Studies questions on this topic, spanning 2019 to 2026, grouped by year. Each links to its exact page in the official paper and marking scheme.

## Common Level

### 2026

- Q1 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2026/JC042CLP000EV.pdf#page=3) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2026/JC042CLP000EV.pdf#page=3)
- Q4 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2026/JC042CLP000EV.pdf#page=5) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2026/JC042CLP000EV.pdf#page=5)
- Q5 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2026/JC042CLP000EV.pdf#page=5) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2026/JC042CLP000EV.pdf#page=5)
- Q14 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2026/JC042CLP000EV.pdf#page=10) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2026/JC042CLP000EV.pdf#page=10)
- Q18 (60 marks): trade unions, consumer rights - [Paper](https://www.examinations.ie/archive/exampapers/2026/JC042CLP000EV.pdf#page=20) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2026/JC042CLP000EV.pdf#page=20)

### 2025

- Q6 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2025/JC042CLP000EV.pdf#page=5) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2025/JC042CLP000EV.pdf#page=5)
- Q10 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2025/JC042CLP000EV.pdf#page=6) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2025/JC042CLP000EV.pdf#page=6)
- Q11 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2025/JC042CLP000EV.pdf#page=7) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2025/JC042CLP000EV.pdf#page=7)
- Q13 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2025/JC042CLP000EV.pdf#page=8) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2025/JC042CLP000EV.pdf#page=8)
- Q16 (60 marks): government and taxation, economic indicators - [Paper](https://www.examinations.ie/archive/exampapers/2025/JC042CLP000EV.pdf#page=10) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2025/JC042CLP000EV.pdf#page=10)

### 2024

- Q1 (6 marks): employment - [Paper](https://www.examinations.ie/archive/exampapers/2024/JC042CLP000EV.pdf#page=3) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2024/JC042CLP000EV.pdf#page=3)
- Q3 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2024/JC042CLP000EV.pdf#page=4) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2024/JC042CLP000EV.pdf#page=4)
- Q4 (6 marks): government and taxation - [Paper](https://www.examinations.ie/archive/exampapers/2024/JC042CLP000EV.pdf#page=4) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2024/JC042CLP000EV.pdf#page=5)
- Q9 (6 marks): government and taxation - [Paper](https://www.examinations.ie/archive/exampapers/2024/JC042CLP000EV.pdf#page=7) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2024/JC042CLP000EV.pdf#page=8)
- Q12 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2024/JC042CLP000EV.pdf#page=8) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2024/JC042CLP000EV.pdf#page=9)
- Q18 (60 marks): government and taxation - [Paper](https://www.examinations.ie/archive/exampapers/2024/JC042CLP000EV.pdf#page=21) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2024/JC042CLP000EV.pdf#page=23)

### 2023

- Q1 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2023/JC042CLP000EV.pdf#page=3) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2023/JC042CLP000EV.pdf#page=4)
- Q10 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2023/JC042CLP000EV.pdf#page=7) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2023/JC042CLP000EV.pdf#page=8)
- Q15 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2023/JC042CLP000EV.pdf#page=9) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2023/JC042CLP000EV.pdf#page=10)
- Q16 (60 marks): business finance, employment, volunteering - [Paper](https://www.examinations.ie/archive/exampapers/2023/JC042CLP000EV.pdf#page=10) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2023/JC042CLP000EV.pdf#page=11)

### 2022

- Q1 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2022/JC042CLP000EV.pdf#page=3) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2022/JC042CLP000EV.pdf#page=3)
- Q7 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2022/JC042CLP000EV.pdf#page=6) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2022/JC042CLP000EV.pdf#page=6)
- Q13 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2022/JC042CLP000EV.pdf#page=9) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2022/JC042CLP000EV.pdf#page=9)
- Q18 (60 marks): employment - [Paper](https://www.examinations.ie/archive/exampapers/2022/JC042CLP000EV.pdf#page=20) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2022/JC042CLP000EV.pdf#page=20)

### 2019

- Q1 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2019/JC042CLP000EV.pdf#page=3) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2019/JC042CLP000EV.pdf#page=4)
- Q3 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2019/JC042CLP000EV.pdf#page=4) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2019/JC042CLP000EV.pdf#page=4)
- Q4 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2019/JC042CLP000EV.pdf#page=4) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2019/JC042CLP000EV.pdf#page=4)
- Q12 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2019/JC042CLP000EV.pdf#page=7) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2019/JC042CLP000EV.pdf#page=7)
- Q15 (6 marks) - [Paper](https://www.examinations.ie/archive/exampapers/2019/JC042CLP000EV.pdf#page=8) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2019/JC042CLP000EV.pdf#page=8)
- Q18 (60 marks): volunteering, employment, economic indicators - [Paper](https://www.examinations.ie/archive/exampapers/2019/JC042CLP000EV.pdf#page=19) · [Marking scheme](https://www.examinations.ie/archive/markingschemes/2019/JC042CLP000EV.pdf#page=17)

## Related

- [Consumers & Work](https://examai.ie/past-papers/junior-cert/business-studies/topic/consumers-work)
- [Enterprise & Marketing](https://examai.ie/past-papers/junior-cert/business-studies/topic/enterprise-marketing)
- [Business Accounts](https://examai.ie/past-papers/junior-cert/business-studies/topic/business-accounts)
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- [Ireland & the Global Economy](https://examai.ie/past-papers/junior-cert/business-studies/topic/ireland-the-global-economy)
- [All Business Studies past papers](https://examai.ie/past-papers/junior-cert/business-studies)