LIBF TOPIC 4

3. A financial plan typically for a period of more than ten years. (8 letters)
8. Events and changes that cannot be planned for with certainty. (17 letters)
12. A tool allowing users to monitor and adjust budgets online. (19 letters)
14. The value of what must be given up to gain something else. (16 letters)
15. When income exceeds expenditure, leaving extra money. (13 letters)
16. Financial planning for up to ten years. (10 letters)
17. Spending on items or savings that are not essential but desired. (15 letters)
18. A ratio comparing the size of a loan to the value of the property. (12 letters)
19. Spending on items required for basic living needs. (10 letters)

1. Financial planning that accommodates unexpected expenses. (8 letters)
2. A budgeting method where every penny of income is allocated. (9 letters)
4. The replacement of a mortgage with another for better terms. (10 letters)
5. A budgeting method involving envelopes for specific expenses. (17 letters)
6. Financial planning for a few weeks to a few months. (9 letters)
7. Overlapping periods used for financial planning. (12 letters)
9. Expenditure that must be paid if it applies, such as taxes. (10 letters)
10. A plan outlining expected income and expenses for a set period. (6 letters)
11. A plan to deal with unexpected income or expenditure changes. (15 letters)
13. The difference between expected and actual budget figures. (14 letters)