The convenience of buying now, paying later has never been greater than today. But before you are tempted to buy the new gadget or fund your holiday, pause to think judiciously, and evaluate your finances, affordability and repayment capacity. A little bit of caution and planning will ensure a stress-free road to financial freedom.
“Never spend money before you have it.” This is a concept most Zoomers or Generation Z would find alienating in times of ‘buy now pay later’. This is the group which is entering the workforce today and is at the cusp of beginning their financial journey. Beyond being digital natives and although still young, they already have significant spending power at their fingertips. With a large portion of their income being spent on eating out, fancy
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