The term 'BRINGS ON ONESELF' can be summarized as 'incurring something due to one's own actions'. This means that a person has caused something to happen to themselves, either intentionally or unintentionally, through their own behavior. For example, someone might bring on a headache by drinking too much alcohol, or they might bring on financial hardship by making poor spending decisions. In the crossword puzzle, the solution for this term is INCURS, which means to become liable or subject to something, usually as a result of one's own actions.