The cat so fast he's a streak 
Girl math moment 
"When I realized I can still get what I want, like designer items, and not have to pay the full purchase on spot, I lost my darn mind. … It was like a kid in a candy store," Resiere recalled. "Let's say Klarna gave me $1,000. In my head, I was like, 'Oh my God, that's free money.' So I'm spending the whole thousand, forgetting that I have rent, car note, car insurance, all these bills, groceries, everything."
Bro how does paying money hurt just save
"Even though I'm in my career now and of course making more money, any way that I can split my payments and not worry about bills, I'm definitely, definitely all for," said Resiere. "It splits the payments so I don't really feel it. Yes, I'm paying the same amount but the fact that it's being spread out, it doesn't hurt as much."
How come poors always think the can just get money for designer clothes for free
The opacity surrounding the novel service has created a so-called phantom debt phenomenon that has left economists, regulators and even shoppers concerned about the effect it could have on the economy.
"It's just this nebulous cloud of debt. Nobody really knows how it works and it's just floating around us all the time and it definitely feels like a pending housing crisis, almost like 2008 but for shopping," Andersen joked. "That's the myth that Klarna and PayPal sell you on, is that you can have this lifestyle, you can have these things, but the truth is, you can't."
Jump in the discussion.
No email address required.
https://www.cnbc.com/2024/01/21/buy-now-pay-later-shoppers-deal-with-holiday-debt.html
Jump in the discussion.
No email address required.
I read it on google news
Jump in the discussion.
No email address required.
That's even worse
Learn how to use an RSS reader. Aaron Schwartz died for this shit
Jump in the discussion.
No email address required.
Aaron Schwartz was a giant cuck.
Jump in the discussion.
No email address required.
And still better
than most redditors 
cuz he had the gumption to follow 
through on suicide. How's he do it
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
jesus fricking christ this is next level r-sluration
Jump in the discussion.
No email address required.
A lot of people are just not fit to control their own finances tbh.
Jump in the discussion.
No email address required.
More options
Context
These are the same people that think credit scores are fascist
Jump in the discussion.
No email address required.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
Jump in the discussion.
No email address required.
It doesn't sync
Jump in the discussion.
No email address required.
Jump in the discussion.
No email address required.
I think it starts based on when it loads the image in
Jump in the discussion.
No email address required.
More options
Context
More options
Context
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
These people should be under conservatorship
Jump in the discussion.
No email address required.
They usually are. It's called marriage.
Jump in the discussion.
No email address required.
Unfortunately the banks allow women to open up bank accounts on their own now
Jump in the discussion.
No email address required.
Actually chud, moids find themselves in more credit card debt than women statistically.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context
Jump in the discussion.
No email address required.
More options
Context
“It's just this nebulous cloud of debt. Nobody really knows how it works and it's just floating around us all the time“
….You don't understand how buying things on credit and not paying it off, thus leaving you in debt works??
Jump in the discussion.
No email address required.
More options
Context
What the frick is that url
Jump in the discussion.
No email address required.
More options
Context
Sometimes, I wonder if object permanence is a concept we lose under certain conditions.
Jump in the discussion.
No email address required.
Those conditions are estrogen and melanin.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
i wonder if they do this article every year
Jump in the discussion.
No email address required.
More options
Context
I have used a consumer debt tool like this exactly once, buying a several thousand dollar item, and taking the full purchase price and buying a series of CDs timed to pay out before each payment. I still “paid” the full price up front, I just benefitted from 5.1-5.55% interest in my favor at BNPL's expense.
Even then it felt irresponsible. BNPL really will spawn a whole new generation of 2008-style debt-addicts.
Jump in the discussion.
No email address required.
That's the only reason to ever take one of these payment plans for a consumer item. If you can invest the money at a greater rate of return than the interest on the payments, then you should go for the payment plan.
Of course, a vast majority of these payment plans are being taken by impulsive people who just want expensive stuff.
Jump in the discussion.
No email address required.
They were all zero interest, not sure if that's changed yet? But you'd be ahead with the shitty 0.01% interest you get on a checking account.
Jump in the discussion.
No email address required.
That's what I used to think, but then how are these people getting into debt? Are they really just buying shit with a payment plan that they flat out can't afford at all?
Jump in the discussion.
No email address required.
Yes? Watch that fat slob on YouTube that tells other idiots they're dumb for their spending habits.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context
More options
Context
How is this paypals/klarnas fault lmao, the service is called 'buy now, pay later'. Paying is in the name.
Jump in the discussion.
No email address required.
More options
Context
economic literacy should be a class
Jump in the discussion.
No email address required.
You can't teach this out of people.
Jump in the discussion.
No email address required.
We should tie your grade in an Econ 101 class with having full rights as a free man.
Jump in the discussion.
No email address required.
One vote as a freebie
One vote for never being convicted
One vote for having a healthy BMI with the option to test body fat % as an alternative
One vote for graduation from something that requires more than being a warm body
One vote for having actual income or wealth that bankruptcy takes away for 7 years
Am I missing any?
Jump in the discussion.
No email address required.
One vote for every unit of value you've provided to others and haven't yet redeemed for yourself
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
More options
Context
It is you fricking r-slur
Jump in the discussion.
No email address required.
Jump in the discussion.
No email address required.
More options
Context
To be fair, not every public school in the country, and especially not the ones in poor areas, offer it.
Jump in the discussion.
No email address required.
More options
Context
More options
Context
More options
Context
Christopher Columbus drove his diesel truck up onto the beach of Hispaniola. "Darn I love being white" he said, punching a native child as he climbed out. "I don't think this is China" said his navigator; "Shut up libtard" came the reply from behind a veil of cigar smoke. "Please sir" said the Taino chief, "these are our ancestral lands where we have lived in an entirely peaceful utopia for thousands of years. We don't even know what war is."
"Sounds like WOKE NONSENSE to me" guffawed Columbus, his very presence introducing microplastics into the ecosystem as he cracked a Miller High Life. "This is MAGA country now, boy" he proclaimed before shooting the chief with an unregistered AR-15. The other natives scattered in terror, sheltering their nonbinary tribe members from the bullets and slurs that now ripped through the treeline. "Kek" said Columbus, loading another 30-round assault clip. "This is based. Wait until 4chan hears about this."
Snapshots:
ghostarchive.org
archive.org
archive.ph (click to archive)
Jump in the discussion.
No email address required.
More options
Context
I don't spend outside my means, so they'll use my money to bail consumer debt people out, same as they keep trying to do with the student loans they took out.
Buying votes works.
I KNOW HOW DEBT WORKS
Jump in the discussion.
No email address required.
More options
Context
Why is there no picture of this woman. I bet she's black.
Jump in the discussion.
No email address required.
More options
Context
When the government shutdown happened a couple of years ago, there were a lot of stories about families wondering how they would get by while having no paycheck. One in particular stood out to me because she said she had bought Christmas presents and wasn't sure how they would make the mortgage without being paid. Now this was obviously stupid, but what really made it stand out was that the paychecks weren't scheduled to be stopped until early January. Her plan was to buy the presents and just pay the mortgage late.
Jump in the discussion.
No email address required.
More options
Context