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The convenience of buy now, pay later (BNPL) options may seem appealing, but they often lead to financial pitfalls. BNPL services may allow you to spend money you don’t currently possess, creating a cycle of debt. Remember, if you can't afford an item upfront, it's best to avoid purchasing it altogether rather than relying on these potentially costly payment plans.
Micro Habit 4: Explore Secondhand Options
Enhancing your life doesn’t always mean buying new. Embracing secondhand purchases through platforms like Facebook Marketplace or local thrift stores can yield great deals. Experience has shown that many people can find furniture or technology at a fraction of the cost of new items. Just be cautious with fabric items, as hygiene is paramount.