Stop using after pay

@itsrachey

49.5K followers · usually 1.8K views a post

Views

15.6K

Likes

541

Comments

66

Shares

22

SoundTikTok sound · original sound - itsrachey

Why it worked

The video taps into a common financial struggle and offers a contrarian viewpoint on a popular payment method, resonating with viewers concerned about debt and financial responsibility.

Summary

The creator advises viewers to stop using 'after pay' services, arguing they are a crutch that leads to irresponsible spending and debt. They explain that the installment payments can add up to more than the original price due to interest, making it a poor budgeting tool.

Structure

1Stop using after pay
2It's a crutch, not a budgeting tool
3Installment payments add up with interest
4It encourages irresponsible spending
5Get out of debt

Product placement

The video discusses the use of 'after pay' services.

Call to action

Stop using after pay and get yourself out of debt.

On-screen text

Stop using after pay

Original caption

Quit using after pay and thank me later #frugal #frugalliving #afterpay #debt #debtfree

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Transcript

Stop using after pay is a crutch and you need to start walking. If you cannot pay $97 today, you shouldn't be buying the product. $97 and like four installments is like a little over $24. And I feel like they actually do interest. So I feel like the $97 or whatever would actually be $120 by the end of it. So your frugal bestie is here telling you that it's actually not worth it. Now, I used to love after pay, but I feel we've lost the plot. It's no longer helping you budget, it's actually just making you irresponsible with your money because you're buying something that you can't afford in the first place. Don't dig yourself deeper into debt. Get yourself out of it. Love y'all.