Budgeting Basics: Crossword Challenge

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Across
  1. 5. A specific target
  2. 8. Cost/Reward of money
  3. 9. Money going out
  4. 11. Money you owe
  5. 12. A positive balance
Down
  1. 1. A negative balance
  2. 2. Money coming in
  3. 3. Optional/luxury
  4. 4. Money kept for later
  5. 6. Essential items for survival
  6. 7. A withdrawal
  7. 10. Retirement fund