Hey guys! If you have a toxic shopping addiction (like me), go ahead and X out of this blog post for today… Still there? Okay, good. If you’re still here, then that means you are a responsible person who’s just having a tough month, right? Perfect! Then keep reading.
Let’s be honest, sometimes you have a trip coming up, wedding, birthday, and you wanna treat yourself….but all your bills hit at the wrongggg time this month and shopping just isn’t in the budget. Then you look in your closet to see what you’re working with and you realize you don’t have anything that’s appropriate for the occasion. Fear not! Once again, I am here to rescue you!
There are a number of websites these days that are utilizing “pay later” options. Most people are put-off by this because they feel there may be a catch…there isn’t! I’ve used them all lol. There are a few options and they are all working with many brands these days that we all know and love. Let’s get into the “pay later” company options.
The first I’ll speak on is Affirm. Now, Affirm does charge interest, BUT this is a great option if you wanna shop at high-end re-sellers like StockX (which I ADORE), Tradesy, etc. The amount of interest depends on how long of a payment plan you want to be on. You can do one payment per month for 3 months, 6 months, or a year. If you wanna make a big purchase, this is a good option.
The next companies I want to discuss are AfterPay and Klarna. These are bi-weekly payment plans and they only split your purchases into 4. So these are more like mini pay-day loans. These companies don’t charge interest and I feel they are better for small purchases.
These companies can used for much more than just clothes. They also work with popular beauty brands, electronics, and even some airlines! So if you got a big trip coming up and can’t afford to spend a large amount of money all at once on a plane ticket, then this is a good option for you to budget and pay it off little by little without increasing your credit card debt!
Speaking of credit, these companies also don’t effect or show up on your credit! So this is a nice, consequence-free alternative. Cause here’s the thing, with this form of paying, you HAVE to pay this off within a certain amount of time. If you use a credit card and have toxic financial habits like me (Hey! You’re not supposed to be here! 😠), then this will hold you accountable instead of promising yourself you’ll pay off your credit card asap only to break that promise month after month.
Anyways, I hope this blog helped some of you out! Shop wisely! As always, don’t forget to like comment, subscribe, and share!