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Across 5. bills and coins used to buy things 7. plan for spending, saving, and giving 8. usually $$ earned for doing a job. Also, $$ earned as interest, rents, etc. 9. giving things to people who really need help 11. special kind of loan to buy a house 12. automatic teller machine (abbreviation) 13. $$ earned for letting others use your money 17. company that provides things people want to buy or use 18. working to help someone without pay; donating time and effort 19. borrowing $$ with promise to pay back over time, with interest 22. work done over a long period of time 24. money put into a savings or checking account 25. when prices go up to meet higher demand, lower supply 28. measure of how well you keep your promise to pay debts 30. $$ taken from an account 31. desire to buy goods or services

Down 1. higher rate paid to hourly workers who work more than regular hours 2. work you do for pay 3. borrow $$ with promise to pay back, with interest 4. promise to pay later for things you get now (comes with a cost) 6. agreed upon hours a person works (ex 9AM - 5PM) 9. people who buy things 10. giving money or goods to charity 14. piece of paper telling the bank to move $$ from your acct to someone else's 15. what it costs to borrow and pay back over time 16. putting $$ into savings, stocks, bonds,mutual funds, or real estate to make $$ 20. good or services available 21. used like a credit card, but money is taken from checking acct at time of use 23. lets people buy now and pay later (important to pay promptly) 24. money someone owes to someone else 26. business that offers checking, savings, and loans 27. money put aside for big items, emergencies, or the future 29. money paid to non-hourly workers. They do not get overtime for extra work hrs