Smart Spending, Wise Saving: Personal Finance 101

4. Compulsory contributions to state revenue, levied by the government on workers' income and business profits or added to the cost of some goods, services, and transactions.
7. A loan taken out to buy property or land.
8. A type of credit score that makes up a substantial portion of the credit report that lenders use to assess an applicant's credit risk.
9. Money set aside for future use.
11. A numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual.
12. The act of allocating resources, usually money, with the expectation of generating an income or profit.
13. A plan for making and spending money.
15. A plastic card issued by a bank, business, etc., for the purchase of goods or services on credit.

1. A sum paid or charged for the use of money or for borrowing money.
2. The quality of being economical with money or food; thriftiness.
3. The act of leaving one's job and ceasing to work, typically due to age.
5. A contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses.
6. Money that is owed or due.
10. Money that is borrowed, typically from a bank, that is expected to be paid back with interest.
14. Savings reserved for unexpected expenses.