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“Buy now, pay later,” rent-to-own, lease-to-own, and layaway plans let you buy things without paying in full right away. Before you say yes to one of these plans, find out the details. Depending on the type of plan you choose, you could end up paying a lot more than you expected.

We hear a lot about credit — credit reports, credit scores, credit freezes, credit monitoring. What does it all mean for you? Your credit matters because it affects your ability to get a loan, a job, housing, insurance, and more. If you understand what your credit is, it’ll help you protect it.

Chances are, you’re probably already hearing from charities about Giving Tuesday. It’s a great time to support the work of charities around the country. Unfortunately, not everyone asking for money is a real charity. As the year comes to a close, you’ll likely get calls, texts, and emails asking for donations. Here’s how to make sure your money goes to real causes that matter to you instead of to a scammer.

Billed for products you never ordered, or for products you ordered but never got? Federal laws protect you. Here's what to do.

Scammers pressure you to wire money to them because it’s easy to take your money and disappear. Wiring money with services like MoneyGram, Ria, and Western Union is like sending cash — once you send it, you usually can’t get it back. Never wire money to anyone you haven’t met in person — no matter the reason they give.

Online safety starts with protecting your kids’ devices from hackers and scammers. Here are some steps to keep kids safer while they’re on a phone, tablet, or laptop. Consider taking these steps on your kids’ behalf and, as they get older, teaching them how to secure their devices and build good online habits.

Does it feel like the holidays come around faster and faster every year? If you’re looking to save time by avoiding the crowds and doing some holiday shopping online, know that scammers camp out online all year long. So if you’re planning to shop online for holiday gifts, how can you avoid accidentally running into a scam?

You get an unexpected call with some bad news: your name is linked to serious crimes, and your money is at risk, says the voice on the line. The next thing you know, he connects you with an “agent” who can supposedly help you resolve the issue. Your heart and mind are racing. But your gut is telling you to talk to someone you trust — or to get off the phone and search the internet for advice. So why would a helpful “agent” warn you not to talk to anyone or tell you to stay off the internet until he can fix the problem? Probably because that “agent” is really a scammer.

Scammers tell lots of different stories to try to get your money or personal information. They want you to hurry and do what they say before you have time to think, check out their story, or reach out to someone who might intervene. That’s where the FTC’s new tool, How I’ll Avoid a Scam: My Action Plan, can help.