Matilda's crossword

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Across
  1. 2. wages in order to gain knowledge and skills about a particular job — for example, an apprentice plumber
  2. 9. — 2019/11/18 — 7:38 — page 628 — #47
  3. 13. money that is lodged with the Rental Bond Board. It is used to cover any damages or cleaning costs if the
  4. 14. not repaid, e.g. a house
  5. 15. receive their next pay
  6. 16. without receiving a penalty
  7. 18. of $40 per month for a mobile phone
  8. 19. care by a doctor and access free health care at a public hospital
  9. 21. certificate an official copy of your birth registration held by the NSW Registry of Births, Deaths and
  10. 25. report details the exact condition of a property when new tenants move in
  11. 27. the person who owns the premises being rented
  12. 31. tax system in a progressive tax system, as a person’s income increases the percentage that is paid
  13. 33. a central fund of money that has been contributed by a group of people (e.g. flatmates).
  14. 34. items that can be used to reduce your assessable income, thus reducing the amount of tax you pay
  15. 35. for rental payments. Once a lease is signed, it is a legally binding document
  16. 36. economy also known as collaborative consumption, involves people sharing their possessions for
  17. 37. card plastic card that allows you to buy goods by electronically transferring money out of your account into
  18. 38. a place of shelter which keeps a person safe and protects them from danger — for example, a youth
  19. 40. loan a high-cost, short-term and small amount loan. The borrower agrees to pay back the loan when
  20. 42. the payment of an amount of money that covers a person or property in the event of loss, damage or
  21. 43. so that the person does not suffer a severe financial setback
  22. 48. costs those costs that keep on recurring such as rent, mortgage and electricity bills
  23. 50. go to a music concert this month to hear their favourite singer and buy a computer game next month
  24. 51. the things that an insurance policy covers
  25. 52. the amount of money to be paid to receive insurance cover
  26. 53. a loan from a financial institution such as a bank where something is held as security in case the loan
  27. 55. a legal contract between a tenant and a landlord that allows the tenant to use the landlord’s property in
  28. 56. the person or persons who rents a property from a landlord
  29. 57. file number a unique personal reference number the Australian Taxation Office gives to a person so they can
Down
  1. 1. not profit making
  2. 3. tenancy agreement the standard agreement between tenants and a landlord when a house or flat is
  3. 4. store’s account. It can also be used to obtain cash
  4. 5. an organisation supplying the community with a service such as water, gas or electricity
  5. 6. card a card issued by the government to individuals or families which they can use to access free
  6. 7. levy an additional tax of 2% of income used to fund the Medicare system
  7. 8. the company that is providing the insurance
  8. 10. the main federal government welfare agency. It provides financial assistance as well as counsellors
  9. 11. is being considered
  10. 12. a person who has agreed to work for a skilled person for a particular period of time and often for
  11. 17. 11 Towards independence 627
  12. 20. costs one-off costs for setting up a new place to live or a business
  13. 22. the person who is covered by the insurance policy
  14. 23. a promise to repair any defects that are in a product
  15. 24. off period a period of time after a sale contract has been signed, during which the buyer can cancel the
  16. 26. a list of income and likely expenditures
  17. 28. them and enforce Australia’s taxation laws
  18. 29. fee usually one week’s rent that will reserve the premises for a person while their application for
  19. 30. money set aside during your working life for retirement; commonly called ‘super’
  20. 32. premises are left in an unsatisfactory condition
  21. 39. the things that an insurance policy will not specifically cover
  22. 41. social workers to those in need
  23. 44. rented
  24. 45. including information such as name and place of birth
  25. 46. expenses expenses that are the same amount every time — for example, monthly rent, or a minimum
  26. 47. services services largely funded from within the community to provide something that is desirable
  27. 49. tax also increases
  28. 54. expenses expenses that change over time, and do not occur on a regular basis. For example, a person