Out-of-pocket is a phrase that means to spend one's own money on something rather than relying on insurance or other financial assistance. Some synonyms for out-of-pocket include personally paid, non-reimbursed, self-financing, and self-funded. Other phrases that convey a similar meaning include "paying out of one's own pocket," "paying from one's own resources," or "spending one's own funds." These synonyms are useful when discussing personal expenses, medical bills, or business costs that require direct payment. The use of synonyms for out-of-pocket allows for more varied and accurate language in communication and can help avoid confusion or misunderstandings.