eric80+FollowFuture Me is going to hate Present Me. Anyone else drowning in "Buy Now, Pay Later" receipts? š³The 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 Iām 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 #Christmas202500Share
john57+FollowAre Budgeting Apps Overrated?With inflation and rising costs squeezing wallets, is it time to ditch modern budgeting apps and go retro? The 1970s cash envelope method and grocery-sharing hacks are making a comeback. Are old-school strategies more effective than today's digital tools, or do apps still have the edge? Let's debate: Is tech helping or hurting our savings game in 2025? #Tech #PersonalFinance #Budgeting00Share
