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Across 4. Anything accepted as payment 7. Money paid regularly, at a particular rate 9. Use money to buy goods and services 12. A Conclusion reached after considering alternatives and their results 13. People employed to do work 16. Basic kinds of materials used to produce goods 17. Persons who desire to conserve monetary funds 19. Reward or benefit that motivates someone to do something 20. Money put into a financial account 21. Something a person or orginization tries to reach in the future

Down 1. Keep money for future use 2. Spending and Savings Plan, based on income 3. Amount that must be payed to buy goods or services 5. To buy and use a good or service 6. Payments for labor services based on amount worked 8. Payments for goods and services 10. Amount of output produced per unit of input 11. Decision or Course of Action Taken 14. A piece of work usually done on order for payment 15. Financial Institution that provides various products and services to its customers 18. Disposable income minus consumption spending