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Across 3. Disposable income minus consumption spending 7. keep money for the future use 10. Money paid regularly to a person, often parent to child; sometimes in compensation for services rendered 11. Persons who desire to conserve their monetary funds to the best of their ability 12. Study of how people firms and societies choose to allocate scarce resources with alternative uses 15. Reward or benefit, such as money, advantage or good feeling, that motivates people to do something 16. Money paid regularly, at a particular rate, for the use of borrowed money 17. People employed to do work, producing goods and services 19. Spending and savings plan based on estimate income and expenses for an individual or organizations covering a specific time period 20. decisions made or course of action taken when faced with a set of alternatives

Down 1. Use money to buy goods and services 2. Money set aside for future use in easily accessed accounts 4. Payments for goods and services 5. A cdonclusion reached after considering alternatives and their results 6. Something a person or organization plans to achieve in the future 8. Amount of output produced per unit of input used 9. The quantity and quality of human effort available to produce goods and services 13. Money put into a financial account 14. To buy and use a good or service 18. A piece of work usually done on order at an agreed upon rate