Budgeting and Finance

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Across
  1. 3. money that a person owes to someone else and must repay over time, often with added interest
  2. 6. money borrowed from a bank or lender that must be repaid over time, usually with interest
  3. 7. dishonest or illegal activity meant to steal money or personal information
  4. 8. the ability to borrow money with the promise to repay it later, usually with interest added
  5. 9. the act of putting money aside regularly to reach a financial goal or prepare for future needs
  6. 15. any cost or payment a person must make for goods, services, or responsibilities in daily life
  7. 16. a three‑digit number that shows how responsible a person is with borrowing and repaying money
  8. 17. the amount of income a person actually takes home after taxes and deductions are removed
  9. 19. money added to a bank account, increasing the account balance
  10. 20. the act of using money to buy goods or services, which must be managed responsibly
  11. 22. non‑essential items people desire but do not need, such as video games or designer shoes
  12. 25. money that is intentionally set aside and not spent so it can be used in the future for goals or emergencies
  13. 26. money given regularly, often by parents, that can be used to practice budgeting and saving
  14. 27. the total amount of money a person receives from work, gifts, or other sources before any expenses are paid
  15. 28. the total amount of money still owed on a loan or credit card after payments are made
Down
  1. 1. a detailed plan that outlines how a person expects to earn and spend money over a specific period of time
  2. 2. money taken out of a bank account, reducing the account balance
  3. 4. an expense that changes from month to month, such as groceries or gas
  4. 5. the extra money earned on savings or charged on borrowed money, expressed as a percentage
  5. 7. money collected or saved for a specific purpose, such as emergencies or long‑term goals
  6. 10. required payments taken from income or purchases to help fund public services like schools and roads
  7. 11. unexpected events that require money quickly, such as car repairs or medical needs
  8. 12. a type of bank account used for everyday spending, debit card purchases, and paying bills
  9. 13. an expense that stays the same every month, such as rent or a car payment
  10. 14. the act of taking money from someone else with the agreement to pay it back later
  11. 18. the total amount of income earned before any taxes or deductions are taken out
  12. 21. a financial target a person plans to reach, such as saving for a trip or buying something important
  13. 23. essential items required for survival, such as food, water, shelter, and clothing
  14. 24. the amount of money paid toward a bill, loan, or credit card balance