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Across
  1. 2. Starting and running your own business
  2. 5. Controlling and reducing borrowed money
  3. 8. Guiding or directing a team effectively
  4. 9. Money earned after costs are deducted
  5. 11. Money earned from work or investments
  6. 13. Choosing between options carefully
  7. 15. Money spent on necessities or wants
  8. 16. Mandatory payment to the government
  9. 18. Rating showing how well you manage money
  10. 20. Using your time effectively to complete tasks
  11. 21. Legal agreement between two or more parties
  12. 22. Organizing your income, expenses, and savings
  13. 23. Using money to earn more money over time
  14. 24. Long-term goal-setting for success
Down
  1. 1. Finding solutions to challenges or obstacles
  2. 3. Process of reaching agreement with others
  3. 4. Level of efficiency in work or activity
  4. 6. Loan for buying a house
  5. 7. Period after ending work, planning for financial stability
  6. 10. Evaluating possible problems or dangers
  7. 11. Cost of borrowing money or return on savings
  8. 12. Dividing funds for different purposes
  9. 14. Protection against risks or losses
  10. 17. When costs exceed income
  11. 19. Money set aside for unexpected events