out-of-pocket

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Shopping	The largest selection of OUT-OF-POCKET products: USA, UK, Canada, Deutschland, France.
TV Shop	As seen on TV: beauty, diets, exercise, household, kitchen, personal, vitamins, and other popular TV-products.

out-of-pocket > adjective
Meaning	Calling for the spending of cash.
Examples	"his out-of-pocket costs were $10"
Similar to	due, owed