Money options for young people

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Across
  1. 2. money not spent, invested
  2. 4. 3 & 5 when you have a bad debt history
  3. 6. when you purchase with a card and can pay later for a fee
  4. 7. what you are aiming for when you are saving
  5. 9. government department that supports people on lower incomes or unable to work
  6. 10. paying regularly to ensure a payout if anything bad happens
  7. 11. criminal attempts to steal your identity or money online
  8. 13. a percentage of income earned on money invested
  9. 14. an amount borrowed to be paid back over time usually with interest
  10. 15. a website that can link you to other government services you are linked to
  11. 16. 4 & 5 when you have a history of managing your debt well
Down
  1. 1. a plan of your financial income and expenses
  2. 3. an amount paid from your wages by your employer for your retirement income
  3. 5. a discount on things when you have a card issued by centrelink
  4. 8. payment from an employer in return for work
  5. 12. usually a home loan