Dharma/Money

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Across
  1. 1. Not acting in accordance with your dharma
  2. 4. waste not, ---- not
  3. 6. used to pay for various goods and services.
  4. 8. Help for those in need
  5. 10. An old saying" A ------ in time saves nine"
  6. 11. An old saying "A penny saved is a penny ------"
  7. 12. A place where money is kept
Down
  1. 2. A gift to the needy
  2. 3. Time waste is
  3. 5. careful management of one's money
  4. 7. If I get up on time, i don't have to
  5. 8. strong desire for more than what a person needs
  6. 9. means duty, religion, virtue and morality