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The timing of a fee changes how it affects cash flow
A charge paid separately, deducted from proceeds or financed within the balance can have different practical effects.
The amount alone does not describe when resources are needed.
The comparison records timing and treatment alongside the rate. This prevents a payment that looks small at acceptance from hiding another funded obligation in the schedule.
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Definitions
- Cash-flow timing
- Dates when income arrives and payments leave, distinct from their total over a month.
- Budget scenario
- An explicit set of income and expense assumptions used to explore a possible payment without treating it as personal advice.