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Across 2. Something a person or organization plans to achieve in the future 6. Disposable income minus consumption spending 7. Persons who desire to conserve their monetary funds to the best of their ability 12. A piece of work usually done on order at an agreed-upon rate 13. To buy and use a good or service 14. Desires that can be satisfied by consuming or using a good or service. Economists do not differentiate between wants and needs. 15. People employed to do work, producing goods and services. 16. Spending-and-savings plan, based on estimated income and expenses for individual or organization, covering a specific time period 18. Amount of output produced per unit of input used 19. Payments for goods and services

Down 1. The quantity and quality of human effort available to produce goods and services 3. Keep money for future use; divert money from current spending to savings account or other investment 4. Arrangement by which a bank holds funds on behalf of a depositor (2 Words) 5. Money set aside for future use in easily-accessed accounts, certificates of deposit 8. Decision made or course of action taken when faced with a set of alternatives 9. Money put into a financial account 10. The basic kinds of resources used to produce goods and services 11. Financial institution that provides various products and services to its customers, including checking and savings accounts, loans and currency exchange 14. 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, etc. 17. Anything generally accepted as final payment for goods and services; a medium of exchange, store of value and standard of value