crossward

3. the person who writes and signs a cheque
5. items that you can see or touch
11. the swapping or exchanging of one good for another
12. buying something without giving much thought as to whether you really need it
13. things done for you by others
19. people aged 15 and over who are either employed or unemployed
20. money received regularly from work

1. the financial institution that provides the product to the constumer
2. a proposal
4. buys goods in large quantities from the manufacturer
6. an illegal business practise
7. the extra money you have to pay back when borrowing money
8. what remains after all business expenses are deducted from sales revenue
9. when the offeree agrees to the proposal
10. a list of income and likely expenditures
14. a written communication in ordering your financial institution
15. to set right
16. a charge account operated by a trader
17. the person who is to recieve the money from a cheque
18. any token, with an agreed value, that people accept as payment in exchange for a good or service