Fido wants to buy a new car. He will need to get a car loan. Fido decides to wait for a few months until his credit history improves.
Which explains whether Fido is making a sensible decision?
Fido's decision is sensible because the selling price of the car should be less in a few months.
Fido's decision is sensible because the cost of the car loan should be less if his credit history improves.
Fido's decision is not sensible because he needs the car right away.
Fido's decision is not sensible because it does not matter if he buys the car now or in a few months.