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Across 6. A locked box that can be rented in a secure area of a bank 8. no charge 12. Licenses, certifications, or degrees that indicate that a person is qualified to perform a certain service 17. Recceiving bills over the Internet 18. Items of value that you own, including money 19. Expenses that normally increase or decrease

Down 1. A survey published periodically that shows how consumers in the US spend their money 2. The difference between your assets and liabilities 3. A plan for spending and saving your funds, based on your incomme and expenses 4. The total amount of money you expect to earn before taxes and other paycheck deductions 5. Expense categories that are not absolutely necessary 7. Conducting business with financial institutions over the Internet 9. Paying bills electronically over the Internet rather than sending a paper check through the mail 10. To put records in long-term storage in a less accessible area 11. a false sense of wealth 13. Regular payments that don't vary in amount 14. The amount of money you expect to receive after paycheck deductions 15. Debts--money that you owe others 16. a statement of what you own and what you owe