towards independence

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Across
  1. 2. A card that allows you to buy items and pay for them later
  2. 5. A guarantee to repair or replace a faulty item after purchase for a set period of time, generally 12 months
  3. 6. is the legal responsibility of an adult for a child under 18.
  4. 7. housing Affordable accommodation (houses and apartments) owned by the government and rented to people with low incomes
  5. 9. purchase an arrangement that allows you to pay off a large household item
  6. 13. An insurance policy is a type of contract
  7. 14. Emergency accommodation run by community or church organizations
Down
  1. 1. A detailed plan of your finances listing all income and expenditure. it is used to ensure you don't spend more than you earn
  2. 2. A written or verbal agreement between two parties
  3. 3. expenses Expenses that can vary: for example ,clothes
  4. 4. Avertisements that appear in newspapers and are arranged in columns under heading.
  5. 8. Cut back on spending to save money
  6. 10. Good taken back by the hire purchase company if you dont make your agreed payments on time
  7. 11. plan A plan of your commitments so that you can manage your time without too much stress. These plans may be a short term or longer term
  8. 12. expenses Expenses that cannot be changed: for example, rent