💳 Credit Basics & Why Prices Change

Credit means borrowing money now and paying it back later, usually with an extra cost called interest. Borrowing is a tool, not free money — you always pay back more than you borrowed.

Prices change because of supply (how much of something exists) and demand (how many people want it). When lots of people want something rare, the price usually rises. When shops have too many, prices often fall.

Weather, news, shipping costs and new inventions can all move prices. Nobody can predict prices perfectly.