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Planned purchasing decisions factor in direct (price) and indirect costs (e.g., sales/use tax, excise tax, shipping, handling, and delivery charges, etc.).

An informed consumer makes decisions on purchases that may include a decision-making strategy to determine if purchases are within their budget.

Consumer advocates, organizations and regulations provide important information and help protect against potential consumer fraud.

Consumer protections laws help safeguard individuals from fraud and potential loss.

Informed purchasing decisions are essential for responsible financial management. Limited protections against some consumer fraud exist in government regulatory agencies and laws. Ultimately, consumers must be informed and vigilant when making purchasing decisions.