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