GEMMA MALTA

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Across
  1. 6. The ability to make informed financial decisions (9,10)
  2. 8. The basic things required for living (5)
  3. 10. The act of giving a portion of something you have to others promoting kindness (7)
  4. 11. consistently doing what is right even when no one is watching (9)
Down
  1. 1. Being truthful and open, not lying to others (7)
  2. 2. Helps people in Malta manage their money (5)
  3. 3. Treating everyone equally and ensuring no one is put in a disadvantage (8)
  4. 4. A personal ambition or desired outcome (4)
  5. 5. Something you would like to have but is not essential (4)
  6. 7. To keep money for future use (4)
  7. 9. To receive payment for work or services (4)
  8. 10. To use money to buy something (5)