Five questions to ask before a big purchase

A purchase can look affordable until the next bill arrives. A quick check can help you understand the trade-off before deciding.

1. What money is actually available?

Use money you can access for this period, not income you hope to earn later.

2. Which costs are still due?

List essentials, repayments and bills due before your next reliable income arrives.

3. What is the full cost?

Think about delivery, setup, maintenance, accessories or other ongoing costs where relevant.

4. What happens to your buffer?

Decide whether you want to keep some money available for unexpected needs. Your ideal buffer depends on your own circumstances.

5. Is there another option?

Would waiting, choosing a lower-cost version or comparing alternatives make the decision more comfortable? You do not need to rush just because a promotion has a deadline.

Try the free Purchase Reality Check →