Define the decision
Write down what problem the purchase or financial product is solving.
Compare total cost
Include fees, interest, subscriptions, maintenance and required add-ons rather than just the first payment.
Check the downside
Ask what happens if income falls, a product fails, rates change or the commitment lasts longer than expected.
Use a cooling-off period when possible
Time reduces the pressure created by countdown timers, aggressive sales tactics and emotional spending.
Educational information only. Use current product terms and the rules that apply in your country. For decisions with significant financial consequences, consider an appropriately qualified professional.