First Year Business

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Across
  1. 4. An extra amount added to a basic insurance premium due to an increased risk
  2. 6. A person who agrees to pay off a loan if the original borrower defaults
  3. 7. A non-refundable sum of money paid by the government for a specific purpose
  4. 11. Money paid into a bank account
  5. 12. An estimate of a persons ability to pay off a loan based on history
  6. 15. The portion of company profits paid out to its shareholders
  7. 16. The states free and confidential service that helps guide people out of debt
  8. 17. Spending on non-essential items like holidays or entertainment
  9. 21. An asset pledged as security for a loan that can be seized if unpaid
  10. 22. The principle of insurance stating that you should not profit from a loss
  11. 23. Money left over after paying taxes and essential living expenses
  12. 24. Something of value that you own
Down
  1. 1. Renting an asset over time without ever taking legal ownership of it
  2. 2. A compulsory legal requirement for all motor vehicle drivers in Ireland
  3. 3. A non-cash payment provided by an employer, such as a company car
  4. 5. A discount on motor insurance awarded for not making any claims
  5. 8. A financial plan of expected future income and expenditure
  6. 9. Permission given to a business to withdraw varying amounts from an account
  7. 10. Buying an item on the spur of the moment without prior planning
  8. 13. An unexpected piece of income, such as lottery winnings or an inheritance
  9. 14. A fixed annual payment made to an employee regardless of hours worked
  10. 18. Income tax calculated by an employer and sent directly to Revenue
  11. 19. Items essential for basic human survival, such as food and shelter
  12. 20. The item you must go without when you make a financial choice