Скачать или смотреть How to Avoid the Overspending Trap of “Buy Now, Pay Later” Programs [NOT STARVING ARTISTS PODCAST]

Let’s be real—BNPL (Buy Now, Pay Later) is just debt with better PR. Klarna, Afterpay, and Affirm are making it easier than ever to spend money you don’t have, all while claiming they’re helping you. But who’s really benefiting here? (Spoiler: it’s not you.)

In this episode, we’re digging into:

💰 BNPL’s shady history—how installment plans started in the 1800s, got turbocharged in the 1920s, and literally helped crash the economy.

📉 The illusion of “flexibility”—why people think BNPL is different from credit cards (it’s not).

🛍️ The psychology of overspending—companies want you to skip the “pain” of spending because pain = good financial decisions.

📊 Follow the money—if you’re not paying up front, who is? (Hint: sellers, late fees, and data monetization.)

👀 The long-term effect of pushing your financial pain onto “future you”—do you really want 50-year-old you paying for today’s impulse buys?

💡 The antidote—learning the skill of spending so you never feel the need to split payments on a $40 purchase again.

🔥 My Cashed Up Best Practices:

✅ The ONLY things worth financing (and why most purchases should be paid in full)
✅ Why getting 3 months ahead on bills makes BNPL irrelevant
✅ How loving to spend money (the right way) eliminates the urge to use payment plans

🚀 Tired of feeling like money is controlling you? My course, Cashed Up Creatives, teaches you how to get out of the paycheck-to-paycheck cycle without spreadsheets, strict budgets, or guilt. You’ll never look at your money the same way again.

Head to notstarvingartists.com to learn more!