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Across 4. Something a person or organization plans to achieve in the future; an aim or desired result 6. Disposable income (income after taxes) minus consumption spending 7. Effort applied to achieve a purpose or result, often for pay; skills and knowledge put to use to get something done; employment at a job or in a position; occupation, profession, business, trade, craft 8. Payments earned by households for selling or renting their productive resources. May include salaries, wages, interest and dividends. 10. Payment for goods and services 11. Decision made or course of action taken when faced with a set of alternatives 12. The quantity and quality of human effort available to produce goods and services 14. Money put into a financial account. Also, to place money in financial account 15. spending-and-savings plan, based on estimated income and expenses for an individual or organization covering a specific time period 18. Use money to buy goods and services 19. Payments for labor services directly tied to time worked, or to the number of units of output produced

Down 1. Money paid regularly to a person, often parent to child; sometimes in compensation for services 2. To buy and use a good or service 3. Financial institution that provides various products and services to its customers, including checking and savings accounts, loans and currency exchange 5. Persons who desire to conserve their monetary funds to the best of their ability 9. People employed to do work, producing good and service 13. Amount that must be paid or spent to buy or obtain something. The-effort, loss or sacrifice necessary to achieve or obtain something 16. Desires that can be satisfied by consuming or using a good or services . Economists do not differentiate between wants and needs 17. A piece of work usually done on order at an agreed-upon rate. Also a paid position of regular employment 18. Keep money for future use; divert money from current spending to savings account or other investment