Personal Finance

1. a person who owes money
4. regular payment made by a tenant to an owner for the use of the owner's building or land
5. putting money into something in order to make a profit
8. expenses that change over time
12. someone who guarantees to pay back the money if the borrower does not
13. a certain amount of money can be taken out of the borrower's wages
14. income the amount a person has left after income tax is deducted
15. when a business, or person, is unable to pay her or his debts
16. to take back goods bought on credit if repayments have not been made
20. nothing is deposited as a guarantee to fulfil the payment of the loan
23. what remains after all business expenses are deducted from the sales revenue
24. a fixed amount of money paid on a regular basis (usually fortnightly or monthly) to a permanent employee of an organisation

2. represent a small slice of the ownership (a share) of a company
3. money received on a regular basis from work, property, business or welfare payments
5. buying something without giving much thought as to whether you really need it
6. money received by workers, usually on a weekly basis, for services they provide to an employer
7. expenses that are the same amount every time
9. the cost of an insurance policy
10. a way of saving so an employee has some money in retirement. The employer makes set payments into a superannuation fund, which the employee cannot touch until she or he reaches a certain age
11. the percentage of a sales price received by a salesperson for her or his services
17. something deposited as a guarantee to fulfil the payment of a loan
18. a sum paid to authors, musicians etc. as a percentage of the proceeds from their work
19. a payment made for the use of money that has been borrowed
21. a person who is owed money
22. sum payable as profit for shares