Foundation
Compare total borrowing cost before signing
Whenyou are offered credit or instalments
Find the amount borrowed, total repayment, fees and payment dates in the offer. Compare with paying later or another quote. Ask the lender to explain missing figures before signing.
Start tiny
Find the total repayment figure.
SafetyCheck affordability and penalties, not just the small instalment. Do not sign terms you cannot explain.
Evidence grade CPractitioner method or editorial idea
Financial Consumer Agency of Canada. What to consider before borrowing money. Read the source ↗ Canada. Editorial reminder adapted from documented guidance; the exact cue and sequence are not a tested intervention.
Foundation: Small recurring actions with little setup. Choose anchors that fit your day.
