How we decide
Guidance rules, results rely on self-reported answers. We do not independently verify affordability or seller claims.
- Possible shortfalls in essentials → Plan or find alternatives.
- Unconfirmed costs or seller claims → Check first.
- Borrowing → Plan or find alternatives, with a repayment review. Borrowing is not an automatic rejection.
- An urgent need with an existing adequate option → Plan or find alternatives.
- Without urgency, an adequate alternative, sale-driven motivation, pressure of 7–10, or desire of 1–3 → Pause.
- Other-wise → Consider buying.