Spending - Caveat Emptor

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Across
  1. 3. Unexpected financial gain, like a lottery win
  2. 7. The period of time an item remains useful (2 words)
  3. 8. Illegal tactic - lure with a deal, swap for a pricier item (3 words)
  4. 10. Interest and fees paid for borrowing money (2 words)
  5. 11. Making untrue claims about a product's performance (2 words)
  6. 15. Budgeting mantra: "Every penny should have a ______."
  7. 17. The upfront price paid to buy an item (2 words)
  8. 20. Let the buyer beware (2 words)
  9. 22. Collecting vast amounts of user info to analyze habits (2 words)
  10. 23. Stealing personal data to commit fraud as someone else (2 words)
  11. 24. Ongoing expense to keep an item working (e.g., oil changes) (2 words)
  12. 25. Scams that pretend to support a good cause (2 words)
  13. 27. Ads targeting your feelings rather than your logic (2 words)
  14. 28. Pressure to overspend to impress or support a peer group (2 words)
  15. 29. The study of the "why" behind your buying decisions (2 words)
Down
  1. 1. Selling items together to force the purchase of extras (2 words)
  2. 2. Financial axiom: "______ leads to prosperity."
  3. 4. Loan practice with abusive terms and sky-high rates (2 words)
  4. 5. Irrational spending triggered by a rapid income spike (3 words)
  5. 6. Inflating an original price to make a "sale" look better (2 words)
  6. 9. Designing products to break or expire so you buy again (2 words)
  7. 12. Expense to get rid of an asset at the end of its life (2 words)
  8. 13. Sales tactic - "Would you like fries with that?"
  9. 14. Physical investments like cars; often illiquid (2 words)
  10. 16. Sales method demanding an immediate decision (3 words)
  11. 18. Unplanned purchase made in the heat of the moment (2 words)
  12. 19. An asset purchased to generate future income or profit
  13. 21. Prime retail real estate at the end of an aisle (2 words)
  14. 26. Item sold below cost just to get you into the store (2 words)
  15. 27. Money spent or cost incurred to buy goods or services