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Across 3. desires that can be satisfied by consuming or using a good or service 6. a piece of work usually done on order at agreed-upon rate 8. decision made or course of action taken when faced with a set of alternatives 9. a conclusion reached after considering alternatives and their results 11. keep money for future use 13. study of how people, firms and societies choose to allocate resources 16. payments for goods and services 19. use money now to buy goods and services 20. money put into a financial account

Down 1. spending-and-savings plan, 2. income received for entrepreneurial skills 4. money paid regularly to a person,often parent to child 5. persons who desire to conserve their monetary funds 7. payments for labor services directly tied to time worked 10. reward or benefit 12. people employed to do work 14. places, institutions, or technological arrangements 15. to buy and use a good service 17. amount that must be paid 18. gifts of nature