Choose How You’ll Pay

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This lesson explores common ways to cover holiday expenses, including cash or debit, savings, credit cards, and borrowing. Participants learn how APR, fees, repayment terms, and monthly payments can change the true cost of a purchase. The goal is to help participants consider not only whether they can make a purchase today, but how that decision could affect their finances after the holidays.

Key takeaway: How you pay matters just as much as how much you spend.