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Across 1. giving up something now to get something even better in the future 3. the things that make life more interesting and fun, but you could live without them 5. the very basic things we must have to survive 7. the top item guys last bought with their own money 11. A plan isn't meant to be written in _____________. It's a living document that should change as things in your life change. 13. a handy tool for tracking your cash flow 15. the M in SMART goals stand for this - an specific amount 17. measures the money you receive and the money you spend 18. process of setting goals, developing a plan to achieve them, and putting the plan into action

Down 2. goals set for 3 months to a year 4. a goal within the next 3 months 6. smaller decisions that can result from a mojor decision 8. goals that will take you more than a year to achieve 9. the value of what is given up when you choose one option over another 10. When it comes to money you have a _____________. 12. the top item girls last bought with their own money 14. beliefs and practices in your life that are very important to you 16. something you aim for