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Across 3. Decision made or course of action taken when faced with a set of alternatives 4. Money set aside for future use in easily-accessed accounts; savings accounts, certificates of deposit 6. Payment for labor services directly tied to time worked, or to the number of units of output produced 7. Spending-and-saving plan, based on estimated income and expenses for an individual or organization, covering a specific time period 9. Income received for entrepreneurial skills and risk taking, calculated by subtracting all of a firm's explicit and implicit costs from its total revenues 10. Something a person or organization plans to achieve in the future; an aim or desired result 13. Money paid regularly to a person, often parent to child; sometimes in compensation for services rendered 17. Payment for goods and services 18. Keep money for future use; divert money from current spending to savings account or other investments 19. People employed to do work, producing goods and services

Down 1. A piece of work usually done on order at an agreed-upon rate. Also a paid position of regular employment. 2. Money put into a financial account. Also, to place money in a financial account 5. The quantity and quality of human efforts available to produce goods and services 7. Financial institution that provides various products and services to its customers, including checking and savings accounts, loans and currency exchange 8. To buy and use goods for services 11. Study of how people, firms, and societies chose to allocate scarce resources with alternative uses. 12. In the context of credit transactions, one of the 3 Cs of Credit. Indicates how credit worthy a prospective borrower is likely to be. 14. Persons who desire to conserve their monetary funds to the best of their ability. 15. Anything generally accepted as final payment for goods and services; a medium exchange, store of values and standard of values. 16. Use money now to buy goods and servies