1									2
					3													4
			5										6
7												8
								9
	10														11
				12							13						14
										15
		16
	17
	18
													19
								20

Across 3. Use money now to buy goods and services 5. Payments earned by households for selling or renting their productive resources. 7. Indicates how credit worthy a prospective borrower is likely to be. 8. To buy and use a good or service 10. Spending-and-savings plan, based on estimated income and expenses for an individual or organization. 15. A conclusion reached after considering alternatives and their results. 17. Relies on a system of interdependent market prices to allocate goods, services, and productive resources. (2 Words) 18. An aim or desired result. 19. Money put into a financial account. 20. Payments for labor services directly tied to time worked.

Down 1. Second-best alternative that must be given up when scarce resources are used for one purpose vs. another. (2 Words) 2. Persons who desire to conserve their monetary funds to the best of their ability. 4. People employed to do work, producing goods and services. 6. Amount of output produced per unit of input used. 9. Study of how people, firms and societies choose to allocate scarce resources. 11. Disposable income minus consumption spending. 12. Financial institution that provides various products and services to its customers, including checking and savings accounts, loans and currency exchange. 13. Used to produce goods and services. 14. Money paid regularly, at a particular rate, for the use of borrowed money. 16. The quantity and quality of human effort available to produce goods and services.