Financial Couseling Crossword Puzzle

QUESTIONS LIST: budget : a spending plan based on income and expenses, fixed expense : an expense whose total amount does not change, savings : money you put aside for future use rather than spending it immediately, overspending : spending more money than you have or more than was planned or agreed, need : something that is necessary to live and function, want : something that can improve your quality of life, action plan : a list of specific steps to tale to improve your financial future, envelope method : a cash based way of controlling spending by creating an envelope for each category of your expenses, bill : a statement that is a request for payment showing how much you have to pay for services you have received, mortgage : house loan, credit union : a not-for-profit financial institution that accepts deposits, makes loans, and provides a wide array of financial services and products, cash flow : the total amount of money entering (income) and existing (expenses) one's personal finances, compound interest : the ability of savings to grow by earning interest on interest, debt : something owed, such as money, goods, or services