after making fun of people using Affirm and Klarna, I have finally made a purchase using itit was a kayak that I really wanted to purchase and use it I couldn't afford right away and I didn't want to purchase it when summer is about to end
you are a nigger, kayaks are free
>>62386626I klarnad my Mother’s Day present because i love my mom and she deserves more than i could afford that paycheck. My dad does too, it just worked out that i had enough money for his B)
>>62386626>buy something I can already afford>keep the money in a hysaCouldn't imagine treating it as anything other than that with an entity that goes up to 36% APR.
Oh youre a fag bro. Bet I fuck her before you she like dudes who actually look like men. Go eat.
>>62386626I use a klarna digital card for almost everything. Im on disability so i couldnt get a credit card with my bank but klarna could essentially give me the same thing. Mostly I just use the "pay within 30 days" option with no interest or fees. Initially they gave me a credit line of 1000€ but after a couple of years its up to like 6500€. Their new card system seems worse though, it has fees and shit. If they force me to "upgrade" to that at some point i will probably just stop using itIm happy with klarna, at one point a merchant scammed me out of 500€ and paypal was no help but klarna ruled in my favor
I use 24 month 0% interest credit cards, not sure if americans or euros have sure a thing.Basically an interest free loan if you make the monthly minimum payment and pay before the end of the 0% period.
>>62386626Using credit at 0% if you can repay it is the smartest way to keep your wealth anon
It's crazy to me what a spectrum of economic positions there are. I keep at least 5k in my immediate checking account at all times and feel "poor" and have to remind myself I make probably twice as much money as my roommate and that i put a lot into 401k and shit
