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Across 10. The letters DR on a bank statement signify that the account holder is what? 11. When an employer transfers wages or salary directly into the employees bank account. 12. The employee's income before anything is deducted from it. 13. This bank account is fo rspending. 16. This is spending on non-essential items that we choose to buy. 18. Deductions from pay that are required by law. 21. SO ( TWO WORDS) 22. A profit cannot be made from insurance. 26. Specific items or risks that are not insured. 27. Calculates the premium based on the risk. 28. The only type of good faith! 29. A purchase that initally appears to be good value for money but in the longer term turns out to be more expensive. 30. Contract of insurance. 31. The I in PIN. 32. Pay that you bring home. 33. The sum total of everything you own. 35. This clause is to protect against underinsurance and partial loss. 37. Income based on the value of goods or services sold. 38. Anything of value accepted in exchange for goods and service. 39. Essential to sustain life. 44. The E in AER. 45. Anything that can be used in order to meet our needs. 46. The income that remains when all income taxes and compulsory payments have been made. 47. The B in BIK! 48. The amount charged by an insurer in return for providing insurance cover for a particular risk. 49. Consumers who choose goods and services that meet their needs and reflect their moral values. 50. A person of good financial standing who agrees to repay a loan for you should you be unable or unwilling to pay. 51. Deals with complaints from the public who feel they have been unfairly treated by a public body.

Down 1. sPENDING ON A ONCE-OFF BASIS. 2. This sets out anticipated future income and expenditure. 3. This rate is the price of one country's currency in terms of another. 4. Not essential to sustain life , but improves the quality of life. 5. Fill in the missing word - Deposit Interest--? -- Tax. 6. This cost is the money price you pay! 7. Another name for renting. 8. Deductions from pay that are not required by law, but workers choose to pay them. 9. A long term loan to buy a house. 14. An estimate of the ability of a person to pay off a loan, based on their saving and borrowing history with a bank. 15. This cost is the alternative that must be done without. 17. The T in CT. 19. All goods sold must be of this type of quality. 20. Let the buyer beware. ( Two words in Latin). 23. The A in APR. 24. DD ( TWO WORDS) 25. When a person is earning more than they are spending, they are said to have a budget--- ? 31. Money received over a period of time. 34. This type of buying is unplanned. 35. Protection against a certain future loss. 36. Repair, Refund and Replacement are examples of this. 37. The C in CAI. 39. Land and Wter are examples of resources provided by ? 40. An extra amount added to the basic premium to cover increassed risk. 41. When you work longer than the standard working week. 42. The A in ATM. 43. This bank account is for saving.