Questions: Which of the following questions is NOT needed before deciding how and when to make a major purchase? Do I have the cash I need for the down payment? Does the purchase fit my budget? Could I postpone the purchase? Could I use the credit I need for this purchase in some better way? All of these questions should be considered.

The answer is "All of these questions should be considered."

This is a crucial question because having the necessary cash for a down payment can significantly impact your financial stability and the terms of any financing you might need.

Ensuring that a major purchase fits within your budget is essential to avoid financial strain and potential debt issues.

Considering whether the purchase can be postponed allows you to evaluate if the timing is right or if waiting could provide better financial conditions or opportunities.

This question helps you assess the opportunity cost of using your credit for this purchase versus other potential uses that might offer better returns or benefits.

Since all these questions are important for making an informed decision about a major purchase, none of them can be disregarded. Therefore, the correct answer is that all of these questions should be considered.