this post was submitted on 06 Dec 2025
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It's fucked but with a charitable view, I can see some logic.
For all the nonsense, there are a handful of good deals on the Friday/Monday. If I were living paycheque to paycheque, seems like a bnpl scheme could let me budget say, November to February for christmas gifts, interest free unlike a credit card.
That being said, that's the theory. I imagine a lot of folks end up in over their heads much like credit cards etc.
I would just reject consumerism and not buy anything. You very rarely save money by buying things, maybe some tools, or seeds/cuttings for things you can grow to eat.
This is the same as "I would just have a better job."
Some normal folks are out there, trying to give their kids as normal a life as they can despite their financial circumstances and not all of them are as enlightened as you claim to be online.
This wasn't a hypothetical. I lived on apprenticeship wages for a few years
And I just got a better job after having a bad one.
I've also known addicts who've quit.
Does that mean "just get a better job" "just quit your addiction" and "reject consumerism" are reasonable answers to people struggling?
the thing I don't understand with so many people being paycheque to paycheque is that, like, you need to come up with the money sooner or later. so just don't fucking spend it on what you don't absolutely need, and build up some savings.
like, I get that some people are literally hand to mouth, I'm not talking about them. I'm talking about the people with a 2 year old car and newer clothing who claim paycheque to paycheque but use BNPL schemes. that's just shitty financial decisions. if you're financing every gift season, maybe... just save up a bit of money before each gift season by cutting back temporarily on something else? or do you like paying extra to be in debt unnecessarily? you clearly have the capacity to repay the loan, so just save for it ahead of time and pay less overall because no fees...
Yeah I don't know either. I never learnt to drive because of the cost so I didn't even have a car.