I’m not too fond of this buy now - pay later stuff. I mean, don’t get me wrong, it’s great for when you try a new online store and you’re not sure if you’ll get your order or what it will be like. Or if you really really need something and will be able to afford it soon. Then it feels okay to not pay until after.

But mindlessly, always paying later? NOPE. Been there, done that. After a while I lost track and almost ended up not being able to afford paying for the stuff and I’ve always been pretty good at keeping track of my money. It was scary.

Anyone with the discipline and time for keeping a budget benefits a lot from BNPL schemes set specifically at zero percent interest. Put the cash you would have spent in a low yield savings account, then move that cash to checking to make the payment when the payment is due. Mitigates the costs of the natural rate of inflation.

Lmfao, as someone who dreams about being at the level of poverty (USA social security is a fucking joke), buying a god-damn burrito on deferred payments (or concert tickets, or fucking cosmetic botox injections) is one of the most moronic asinine decisions you can do with your financial… stability, future? It’s a dumbass move on every fucking front.

I became disabled 11 years ago and I tried to move out on my own 10 years ago. Even splitting an apartment meant for low-income individuals 5 different ways, rent and utilities were high, and I would regularly have to skip meals to not throw myself into a spiral of debt in a hurry. And even then, I still accrued debt that lead to moving back in with family.

I occasionally use deferred payment plans - I need something that I can’t pay off in a single month (again, fuck you social security) and the store offers no interest on it. Sure. But that’s shit I actually need - I’m currently paying off a bathtub seat, for example - not a fucking set of concert tickets.

I will absolutely judge everyone making dumbass financial decisions that are blatantly, obviously bad choices.