A Christmas Carol

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Across
  1. 2. someone who hoards money and spends as little as possible
  2. 4. greed for material things
  3. 8. nervous, cautious
  4. 9. a moment of realisation
  5. 10. certain to happen, unavoidable
  6. 13. guilt and desire to change
Down
  1. 1. able to understand and share the feelings of others
  2. 3. spirit or a ghost
  3. 5. friendship
  4. 6. kindness
  5. 7. the action of being saved from sin or error
  6. 11. joyful celebration
  7. 12. with deep respect