Hey I am just curious, if your cash flow doesn't allow for an extra say $300, then how can you afford say six payments of $50 per week or what ever the terms are?
I hate to admit that i still use it sometimes, but i do believe Afterpay is predatory as fuck, im sure a lot of people do.
Yeah doesnt that seem good to you. Easier to spread that out right? Or am I missing something? Unless you just save it up over that time. You know what after putting that down in words that's where your going with it eh. Never mind
I mean i have a savings and a mortgage and all the bills are getting paid on time, what's the issue with using afterpay to spread fun stuff and hobbies out... I feel like im missing the problem here...
You need discipline to ensure you stay within your own limits - the problem though, as others in this thread have pointed out, it's a very slippery slope. If you're accountable to yourself to avoid getting into bad habits or falling into the trap of debt, great. This isn't the reality for many using these predatory services who end up stuck in a rut. If I'm having to spread out the cost of seeing a SWer to make room for my other finances then imo I've got my priorities wrong. I earn a comfortable enough salary, but I'm not balling by any means - SM/escorts are like a novelty treat for me. I see the benefits of Afterpay, I just think it'd lead to bad situations for a lot of people who have more addictive tendencies.
Ok yes I understand this. I dont have to use it. It was just I thought I had. I can build it up and spend it like I guess most of us do yeah. My original thinking was like back when I was a kid my mum showed me layby. And then I laybuyed books toys games all sorts. I looked at the afterpay thing as something similar except you get the thing now rather than wait for it. I do see where this is coming from. Im definitly not balling. But I am living comfortably.
I've never been in your situation but if I were you, rather than getting into hire purchase type stuff, I'd just save what I can afford until I have enough to spend it on punting before I make a booking. That way you'll never be caught out when shit hits the fan. Meanwhile, figure out how to increase your income so you're not having to think about stuff like afterpay. Easier said than done, I know, but punting is an expensive hobby.
Yeah ok after reading some horror story's linked by grok im about to pull the plug on this conversation and the whole after pay thing. Just want to thank everyone who has commented here. I dont have an issue with money. But I can see where afterpay takes advantage of dumb asses like me to turn profits. Even if its all paid for its like that whole gambling thing. Anyways again thanks to the people here for opening my eyes to my ignorance. Cheers lads
Haha yeah that's what I mean. You are fixed by your income.
This is _exactly_ the wrong opinion.
