Crossword puzzle

3. plan you write down to decide how you'll spend your money each month
6. done or help provided, esp. for the public or for a person or an organization
8. chance or probability that a person will be harmed or experience an adverse health effect if exposed to a hazard
9. have to have something, or to want something very much
10. the number of goods that the customers are ready and willing to buy at several prices during a given time frame
11. physical, produced objects for which a demand exists, over which ownership rights can be established and whose ownership can be transferred from one institutional unit to another by engaging in transactions on markets
13. wish, need, crave, demand, or desire
14. person who consumes a product or service

1. the portion of income not spent on current expenditures. In other words, it is the money set aside for future use and not spent immediately
2. quality or state of being responsible
4. feeling that accompanies or causes special attention to something or someone
5. the practice of making one's living or making money by producing or buying and selling products
7. plan you write down to decide how you'll spend your monethey
12. item or service offered to a customer to solve a problem or fulfill a desire