managing money

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Across
  1. 4. what most of you will have in your pockets at the moment
  2. 6. you use one of these to borrow money
  3. 7. one of the two dates on the front of a credit card
  4. 9. used to check your bank account
  5. 10. the organisation that processes direct debits
  6. 12. the method to obtain money from your bank account whilst in a shop
  7. 13. when you have spent more money than you have in your account
  8. 14. the number (in words) of digits on the front of a credit card
  9. 15. what you are
Down
  1. 1. a way of organising you monthly income and expenditure
  2. 2. you insure something to minimise .....
  3. 3. the name given to the process when you declare you can no longer pay your debts
  4. 5. the charge made on your credit card account if you don't pay it off fully
  5. 8. you have several of these when puchasing with hire purchase
  6. 10. the security number on a credit card is found on the ... of the card
  7. 11. the method used by solicitors to pay for house purchases