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…