Financial literacy

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Across
  1. 2. Something desired but not essential
  2. 7. Cheque is a _____ type of Money
  3. 10. Excess of income over expenses
  4. 11. A financial target or objective
  5. 12. An issue with barter, requiring a mutual need
  6. 16. A method for dividing and allocating money for different expense heads
  7. 17. Money earned from a job or business
  8. 18. Excess of expenses over income
Down
  1. 1. The system of trade without using money
  2. 3. A type of goal setting method; also an acronym
  3. 4. Rent is ____ type of Expense
  4. 5. A type of currency which has value only because of order of an authority
  5. 6. M stands for what in SMART Goals
  6. 8. Money saved for future use
  7. 9. A financial plan for income and expenses
  8. 12. Money used as a standard for deferred payments
  9. 13. Most Important function of money
  10. 14. A form of money which derives its value from the material it is made of
  11. 15. Something essential for survival, like food or shelter
  12. 19. A basic type of money used for daily transactions