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Across 6. The total amount of income from wages before any payroll deductions. (2 Words) 8. A person who starts his/her own business based on the belief that he or she can make a better product or provide a better service than what existing companies provide. 11. A payroll deduction collected by employers by law and sent to the federal government to provide a small income and other services to the elderly, disabled Americans, and orphaned minors. (3 Words) 13. A employment situation in which an employee is away from work but still receives pay. (sick time, vacation, holidays). (2 Words) 14. An amount that has to be paid or spent personally to buy or obtain something for your employment. (3 Words) 15. A payroll deduction collected by employers by law and sent to the state government to support state services. (3 Words) 16. A form filled out at the time of employment to authorize the employer to make deductions for federal and state taxes based on the number of allowances/deductions claimed. 19. Also called “take-home pay;” it is the amount of income left after payroll deductions. (2 Words) 21. The amount of money needed to sustain a certain level of living, including basic expenses such as housing, food, taxes, and healthcare. Cost of living is often used when comparing how expensive it is to live in one city versus another. (3 Words) 22. Work that provides you with the basics—cash and something to do to earn it—not something you would want to do for life. 23. Expenses that cost the same amount every time. (2 Words)

Down 1. Useful, in-demand skills desired by an employer. (2 Words) 2. In addition to salary, extras provided by an employer are various non-wage compensations (tuition, retirement benefits, sick and/or vacation time, insurances, etc.) (2 Words) 3. Location where a task is completed, which usually pertains to a place of employment; it can involve physical geographical location as well as the immediate surroundings of the workplace, such as a construction site or office building. Typically involves other factors relating to the place of employment, such as the quality of the air, noise level, work station, attitude of coworkers, etc. (2 Words) 4. A payroll deduction collecte4d by employers by law and sent to the federal government to provide medical insurance to the elderly and to some disabled Americans. (2 Words) 5. A detailed schedule of financial activity, such as an advertising budget, a sales budget, or a capital budget. 7. A person's total income prior to exclusions and deductions. (2 Words) 9. A payroll deduction collected by employers by law and sent to the federal government to support governmental programs. (3 Words) 10. Expenses that may change each time. (2 Words) 12. This is the movement of money in or out at a specified period of time. (2 Words) 14. W-2 forms are tax forms that employers send out to employees to report the wages the employee earned and the amount of taxes the employer withheld. 17. Also called occasional expenses, expenses that aren’t paid every month and can be either fixed or variable at different times of the year 18. Money or product earned. 20. An occupation that is your chosen field and that provides you with income, an activity, challenges, opportunities for advancement and satisfaction. 24. Pay Yourself First = Taking an amount of any money received and saving it for long term goals.