“We all have ‘wants,’ and some things we wish to do or have are expensive,” writes Vicki Cook and Amy Blacklock.

They continue, “While saving a down payment for a home or car and putting away money for a child’s education are considered ‘needs’ by some, you might also include them in the want category.

No matter the big expense or purchase you’d like to make, it’s essential to consider how you’ll pay for it.” In this article, the women behind Women Who Money share helpful tips and ways to pay for high-cost items, as well as the pros and cons of each strategy.