Post by @mrgoosmoos

In reply to 3 earlier posts

@King@blackneon.net on blackneon.net Open parent

Usage of the flexible payment method hit an all-time high on Cyber Monday, driving $1.03 billion in online spend (up 4.2% YoY), as consumers looked for greater flexibility in managing their holiday budgets. The vast majority of BNPL transactions are happening on a mobile device as well, at 79.4% share on Cyber Monday (vs. desktop). In an Adobe survey of over 1,000 U.S. consumers (conducted Nov. 2025), respondents said they were most likely to use BNPL for electronics, apparel, toys, and furniture purchases. Source: Adobe Analytics.

Open parent Original URL

@MyBrainHurts@piefed.ca on piefed.ca Open parent

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.

Open parent Original URL

@Korhaka@sopuli.xyz on sopuli.xyz Open parent

If I were living paycheque to paycheque 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.

Open parent Original URL

mrgoosmoos in !lemmyshitpost

@mrgoosmoos@lemmy.ca · Dec 07

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…

View on lemmy.ca

Loading comments...

About Community

Lemmy Shitpost

!lemmyshitpost@lemmy.world

Welcome to Lemmy Shitpost. Here you can shitpost to your hearts content.

Anything and everything goes. Memes, Jokes, Vents and Banter. Though we still have to comply with lemmy.world instance rules. So behave!

Rules: 1. Be Respectful

___ Refrain from using harmful language pertaining to a protected characteristic: e.g. race, gender, sexuality, disability or religion. Refrain from being argumentative when responding or commenting to posts/replies. Personal attacks are not welcome here. …

2. No Illegal Content

___ Content that violates the law. Any post/comment found to be in breach of common law will be removed and given to the authorities if required. That means: -No promoting violence/threats against any individuals -No CSA content or Revenge Porn -No sharing private/personal information (Doxxing) …

3. No Spam

___ Posting the same post, no matter the intent is against the rules. -If you have posted content, please refrain from re-posting said content within this community. -Do not spam posts with intent to harass, annoy, bully, advertise, scam or harm this community. -No posting Scams/Advertisements/Phishing Links/IP Grabbers -No Bots, Bots will be banned from the community. …

4. No Porn/Explicit

Content ___ -Do not post explicit content. Lemmy.World is not the instance for NSFW content. -Do not post Gore or Shock Content. …

5. No Enciting Harassment,

Brigading, Doxxing or Witch Hunts ___ -Do not Brigade other Communities -No calls to action against other communities/users within Lemmy or outside of Lemmy. -No Witch Hunts against users/communities. -No content that harasses members within or outside of the community. …

6. NSFW should be behind NSFW tags.

___ -Content that is NSFW should be behind NSFW tags. -Content that might be distressing should be kept behind NSFW tags.

…

If you see content that is a breach of the rules, please flag and report the comment and a moderator will take action where they can.

Also check out:

Partnered Communities:

1.Memes

2.Lemmy Review

3.Mildly Infuriating

4.Lemmy Be Wholesome

5.No Stupid Questions

6.You Should Know