this post was submitted on 11 Dec 2024
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Thank you !
Now I should add
Can you explain what you meant by netiquette and do noy pay later?
There's a lot of "services" like Klarna where you buy now for payments split over several months. At first glance these often seem ok but they're essentially loans with credit card interest rates.
If the BNPL offer comes with 0% interest and you pay with debit, or a credit card that you always pay off timely, I don't see how it can be such a bad thing. Spending your money immediately, especially with the inflation accounted for, a fix $50 over twelve or twenty-four months means you actually came out ahead theoretically, since your money went further.
The only catch here is of course that vendors will price their goods accordingly, where BNPL or loans will be the only way to afford their goods.
I issue with subscriptions and pay later schemes is, that you loose sight of what you have paid, will pay next weeks/ months and what amount of money you still have left.
Taking inflation into account for anything that is below 100k and over more than 5 years, is just ridiculous, to say it in plain words, sry.
In short you live day to day with your money without any planning if you let your cash flow out by itself (subscriptions, loans)
Thanks
Someone mentioned dark patterns below.
This link might be helpful -> https://www.deceptive.design/types
Net etiquette, be friendly, don't ask stupid questions, etc...
I disagree with the "don't ask stupid questions" any question you ask might be viewed as stupid by someone who knows the answer. Better to say "don't ask questions you know are stupid".
Or ones the answer to which is the very first result in a web search.