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Across 5. Spending on a once off basis. 6. The employee's income before anything is deducted from it. 7. All goods sold must be of this type of quality. 11. This cost is the alternative that must be done without. 12. Pay that you bring home. 15. The A in ATM. 16. An estimate of the ability of a person to pay off a loan, based on their saving and borrowing history with a bank. 18. DD ( TWO WORDS) 22. Specific items or risks that are not insured. 24. The letters DR on a bank statement signify that the account holder is what? 25. This bank account is for saving. 26. A purchase that initially appears to be good value for money but in the longer term turns out to be more expensive. (Two words) 28. Another name for renting. 29. Fill in the missing word - Deposit Interest--? -- Tax. 30. The C in CAI. 31. An extra amount added to the basic premium to cover increassed risk. 32. Anything of value accepted in exchange for goods and service. 35. Deductions from pay that are not required by law, but workers choose to pay them. 36. The A in APR. 38. This cost is the money price you pay! 39. Calculates the premium based on the risk. 42. Not essential to sustain life , but improves the quality of life. 44. When a person is earning more than they are spending, they are said to have a budget--- ? 45. A profit cannot be made from insurance. 46. Contract of insurance. 47. This type of buying is unplanned. 48. Anything that can be used in order to meet our needs. 49. Essential to sustain life.

Down 1. When you work longer than the standard working week. 2. Let the buyer beware. ( Two words in Latin). 3. SO ( TWO WORDS) 4. This is spending on non-essential items that we choose to buy. 6. A person of good financial standing who agrees to repay a loan for you should you be unable or unwilling to pay. 7. A long term loan to buy a house. 8. When an employer transfers wages or salary directly into the employees bank account. 9. The E in AER. 10. Deals with complaints from the public who feel they have been unfairly treated by a public body. 13. This sets out anticipated future income and expenditure. 14. The I in PIN. 15. Protection against a certain future loss. 17. Repair, Refund and Replacement are examples of this. 18. The income that remains when all income taxes and compulsory payments have been made. 19. This bank account is fo rspending. 20. The amount charged by an insurer in return for providing insurance cover for a particular risk. 21. The B in BIK! 23. Income based on the value of goods or services sold. 27. Deductions from pay that are required by law. 33. The T in CT. 34. This rate is the price of one country's currency in terms of another. 36. This clause is to protect against underinsurance and partial loss. 37. Consumers who choose goods and services that meet their needs and reflect their moral values. 40. Land and Wter are examples of resources provided by ? 41. The sum total of everything you own. 43. The only type of good faith! 45. Money received over a period of time.