Budgeting

1. A detailed plan that shows how you will spend and save money over a specific time period
3. Money spent on non-essential items or "wants" rather than "needs"
5. Money available to spend or save after paying taxes
8. Expenses required to live and work, such as food, shelter, and transportation.
9. Reduces the amount of a taxpayer's income that's subject to tax, generally reducing the amount of tax the individual may have to pay.
10. Money spent or costs incurred for goods or services
12. The amount of money needed to cover basic expenses in a specific location
14. Money received, typically from work, investments, or other sources
17. Costs that change from month to month based on usage or consumption
19. Non-essential expenses that you budget for, such as entertainment, travel, and luxury items.

2. Total amount of money earned before any deductions are taken out
4. The process of distributing money for different purposes or categories
6. Money saved specifically for unexpected expenses or emergencies
7. Items of value that you own
11. The proportion of income of a person (personal saving), company or institution (retained profits) that is not spent on current consumption.
13. Regular expenses that stay the same amount each month
15. The amount of money you take home after taxes and other deductions
16. The movement of money in and out of your accounts over time
18. Debts or financial obligations that you owe