i did see all this pay later stuff. but u know what, i NEVER EVER used their pay later schemes. Why? cause i only spend what i can afford and not put myself in a debt. If you dont manage it properly you can be in a deep hole you cant dig out of.

if he really needs something maybe get a job and start saving and live within means.

Never understood all these debtors who dig themselves a hole of their own doing. WORSE, if they come to others to help them, when THEY PUT THEMSELVES into this situation firstly. If they are asking for money, just say no and walk away. that simple, you don't need to care

forced to be frugal? well if he don't want to live like that than just get a better paying job or go out and do more hustling if he want to be spending more. There is no easy shortcut, not with these pay later schemes, it's all a debt trap

anyway i think your friend is delusional and not acting responsibly. You better hope this fella does not come to you asking or money out of desperation. DO NOT GIVE them any money if want advice, u can give that for free. but it sounds to me like he is laying down his sob story hoping you bail them out. cause why is it your business he is sharing this thing with when nothing to do with you? is he trying to set you up to pity him and help pay?


ok here is another example, people take a house loan, they got a stable job and already done the math they can pay back within this many years etc. basically before they even take out the loan they already had a plan to realistically pay off the house loan. this is a normal situation of taking a loan.

But your friend here, seem like he never ever intended to pay back the pay later at any point. Now he is in deep trouble. Totally irresponsible

This post has been edited by Moogle Stiltzkin: Jun 13 2025, 04:14 PM