Make informed choices with your money

Should you use pay-in-4?

Start by asking if you could afford the total purchase today. Pay-in-4 breaks a purchase into installments; it does not lower its price. Write down all payment dates, inspect any fees, and account for overlapping plans. Consider waiting, buying used or comparing a less expensive option.

How to compare personal loans

Compare the annual percentage rate (APR), origination fee, monthly payment, repayment duration and total amount repaid. Check whether the offer is from an actual lender, broker or lead generator. Be cautious with guarantees of approval and upfront-payment requests. Credit unions may be another place to compare.

How to tell whether a coupon really saves money

Compare final prices including shipping and fees. Make sure the discount code works for the precise item and check whether an existing lower-priced alternative is better.

Cash-back programs: avoid spending for rewards

Check the minimum redemption, limitations, and when rewards post. Paying more to get cashback is usually not a savings win.

Where to seek help before borrowing

For needs such as food, housing, utilities or phone service, consider starting with 211 and USA.gov. Eligibility varies.