1	Bad debt		_____	the things that we would like to have, but which we do not need to stay alive, such as a car or a mobile phone.
2	Capital		_____	the things that we require to survive, such as food, water, shelter, warmth and essential clothing.
3	Credit		_____	an arrangement by which you obtain money now that you promise to pay back in the future. (Confusingly, however, a ‘credit balance’ on a current account means the amount of money that you actually have at a particular time.)
4	Credit history		_____	debt that can never be paid off.
5	Debt		_____	making decisions about using your money.
6	Default		_____	someone who may not be able to repay a loan.
7	Financial capability		_____	the total amount of money that someone owes at a particular point in time.
8	Financial Conduct Authority (FCA)		_____	the money with which a business starts or the original amount of debt taken out.
9	High credit risk		_____	the situation in which a borrower is unable to repay a debt.
10	Interdependency		_____	a short-term loan offered at a high interest rate that is designed to financially assist someone until they are next paid.
11	Money management		_____	a person’s previous history of debt repayments.
12	Needs		_____	the situation in which changes in one area affect changes in another area.
13	Overdraft		_____	an agency that regulates financial firms and services.
14	Payday loan		_____	the act of giving up something in order to have something else.
15	Trade-off		_____	an individual’s ability to manage their money well.
16	Wants		_____	a service provided by banks that allows a person to withdraw more money than they actually have in their bank account. The extra money is borrowed from the bank and must be repaid with interest.