The holiday sales got me good. I used Klarna/Affirm for a few "big" Christmas gifts for the kids because the upfront cost was too high. It felt like free money at the time. Now Iā€™m looking at my budget for January and realizing I have four different payment plans coming out of my account at the same time. I feel like I'm borrowing from my future rent money just to put presents under the tree. Is anyone else relying on these installment plans to survive the holidays? #BuyNowPayLater #DebtTrap #HolidayShopping #Budgeting #FinancialStress #Parenting #Christmas2025