John-
These are great resources!
I'm printing out the booklet so I can read it patiently with pencil in hand.

Is my concern "over the top?"
Well, if I lose my savings to a scam, I don't have a way to replace them.

Lately I've noticed how often on-line purchase items offer extended monthly payment options.
I try to practice very simple, unromantic economics. I pay cash for everything. By paying cash, I have to look at the cost "straight in the eye," very different than thinking "It will just cost $35 a month."
Beware vague thinking about money.