Financial literacy

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Across
  1. 5. issue with barter, requiring a mutual need
  2. 7. A type of goal setting method; also an acronym
  3. 8. A form of money which derives its value from the material it is made of
  4. 10. A financial plan for income and expenses
  5. 13. Money used as a standard for deferred payments
  6. 14. Money saved for future use
  7. 17. Most Important function of money
  8. 18. Rent is ____ type of Expense
  9. 19. A type of currency which has value only because of order of an authority
Down
  1. 1. Money earned from a job or business
  2. 2. Something desired but not essential
  3. 3. A financial target or objective
  4. 4. Cheque is a _____ type of Money
  5. 6. A basic type of money used for daily transactions
  6. 9. M stands for what in SMART Goals
  7. 10. The system of trade without using money
  8. 11. Excess of income over expenses
  9. 12. A method for dividing and allocating money for different expense heads
  10. 15. Something essential for survival, like food or shelter
  11. 16. Excess of expenses over income