How to Budget

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Across
  1. 1. The total earnings before taxes that should not guide spending decisions
  2. 4. The amount that should be used when creating a realistic budget
  3. 6. The percent of income used for needs and wants in the 80–20 method
  4. 11. The category that includes emergency funds and future goals
  5. 12. A student saves $300 which represents 20 percent of their income; what is their total income
  6. 15. What budgeting gives you over your money instead of guessing where it goes
  7. 16. The process of dividing income into spending and saving categories
  8. 17. The maximum number of credits that can be earned in one year
  9. 19. Units required to qualify for Social Security benefits
  10. 20. A student earns $1,200; how much goes to savings and investing
  11. 22. A type of savings included within the 20 percent category
  12. 26. A worker earns $900 and $90 is withheld; what is their take-home pay
  13. 28. A student earns $750; how much goes to needs and wants using the 80–20 rule
  14. 30. What determines whether needs are paid before wants when money is limited
Down
  1. 2. A worker earns $800 and $96 is withheld; what is their take-home pay
  2. 3. The system where current workers fund Social Security recipients
  3. 5. The process that causes take-home pay to be lower than total earnings
  4. 7. The percent of income set aside for savings and investing combined
  5. 8. The number of credits needed to qualify for Social Security
  6. 9. A worker earns $900 and 10 percent is withheld; how much is taken out
  7. 10. A student earns $750; how much goes to savings and investing
  8. 13. The factor that determines Social Security credits instead of hours worked
  9. 14. A way part of the 20 percent can be used to grow money over time
  10. 18. A student saves $200 which represents 20 percent of their income; what is their total income
  11. 21. The level of government that collects income taxes from paychecks
  12. 23. A student earns $1,200; how much goes to needs and wants
  13. 24. What happens when spending consistently exceeds income
  14. 25. The category that includes both needs and wants in the 80 percent portion
  15. 27. A worker earns $800 and 12 percent is withheld; how much is taken out
  16. 29. The form used to determine how much tax is taken out of a paycheck