Answer:
住 JUU, sumu - live
雇+T KO, yato(u) - employ, charter / Alphabet "T"
小+十+一 SHOU, chii(sai), ko - small / JUU, tou, to - ten / ICHI, ITSU, hito(tsu) - one
化 KA, KE, ba(keru) - transform
分 BUN, wa(keru) , wa(karu) - divide, part, minute
Add 貝 (KAI - shellfish) to make them into a bunch of hard cases!
債 SAI - debt, loan
顧 KO, kaeri(miru) - look back, take into consideration
慎 SHIN, tsutsushi(mu) - be discreet, careful, restrain self
貨 KA - freight, goods, property
貧 HIN, BIN, mazu(shii) - poor