To think if you’re buying luxury goods on Klarna, you can’t afford them?

[ThatHonestOchreSloth]

It’s not classist. It’s just maths.

Any form of credit has potential issues if misused. Klarna is just another form of credit.

As are we.
You're no more capable than any other poster.

No one deserves anything more than the next person? Great, glad we've got that covered. I'll await for the actual poster to respond.

You're silly.

I'm on disability benefits so can't afford to meet the whole cost upfront so I use PayPal x 3 which in time to coincide with my PIP payments.
Im certainly not buying designer shoes or handbags!
it was so useful when my fridge freezer died last month
same goes for Christmas

Ok, you asked me to explain a comment that was completely self explanatory. I did so. You still are either incapable of understanding it or spoiling for a fight

I would have thought it wildly obvious from op's title that this was not about the purchase of essentials like a fridge freezer.
Unless Gucci do fridge freezers I guess

Yeah yeah.

My TV, fridge and washing machine were all bought at the same time, so will probably die within the same few months of each other. Just because shit happens in 3s anyway.
I will have to buy on credit to replace them (am also on benefits). Or wait a year with none of them so I can save up like a "proper" person.

There's no difference. Both are none of your business.

It’s psychological. I rarely use it but thinking about for a new range cooker. I don’t want to see my savings go down a grand and a half.

If I klarna it’s £500 a month and if I am contributing £250 or so then it’s depleting slowly. And only £750 down by the end of three months. Same end result. But less depressing.

🙇🏻‍♀️🙇🏻‍♀️🙇🏻‍♀️

that's a one dimensional look at it & all her but, except, that's not what I meant ousts dhis that.

so look at your Comprehension skills!! (Or lack of)

Pretty much.

I could have waited until August to buy the uniforms but I wanted to be organised and get them now. I know I need the next size up, everything was in stock so I did a pay in 3 to make sure I had everything organised so I wasn't scrabbling around last minute in a panic.

The result is the same if you save up for 3 months or pay it off after 3 months unless you are literally buying stuff that is entirely unaffordable.

There is no obvious risk of us losing our jobs, nothing should be changing in our financial circumstances so I feel as secure as I can be. Obviously anything can happen but if we lived by that we would never take out a mortgage/a loan for anything.

The irony

why do you think anyone "deserve" anything they can't afford?

If you want to deserve it, work for it and get the money so you CAN afford them.

In the end, you are only hurting yourself. Someone else benefit from the over-spending, so it doesn't matter to anyone else than you. It's your money, or lack of money, no one else actually cares.

I could have waited until August to buy the uniforms but I wanted to be organised and get them now. I know I need the next size up,

that's brave. I honestly cannot tell you now if my kids will need same/ 1 size up or 2 sizes up by the beginning of September! It's even worst with their shoes.
I might need to buy a new uniform by the beginning of July what all I know 😂

If you can't purchase a property without needing a mortgage, you can't afford it. <LeSigh>

Hiya

You're wrong.

Hope that helps.

The premise of this thread is flawed from the outset.

A) Proper luxury isn't usually available on Klarna in the first place.

B) Interest free credit, on the proviso that you use it correctly, is a money maker. If you have decent interest on your savings etc then you're making a return on the funds in balance in the time it takes you to pay off a 0% credit line.

depends
a relative only has a basic bank account. bo credit card.
those repayment services allow them to online shop and then pay in full via bank transfer.

I agree that spreading costs is only viable for one-off larger expenses that otherwise wojld be difficult to buy. but even then sometimes shops offer good split payment deals.

As long as you can actually afford the monthly repayments, interest free credit is at worst a neutral decision and at best a sensible one. Klarna and most similar services are interest free. Why spend three months saving the money to buy it outright on one day, when I could pay in 3 and get 3 extra months of use out of it?

Sometimes that makes more sense even when the payments aren’t interest free. For example, you move into a house that needs a new kitchen. Something unexpected happens in Year 6 and you need to move- I’d personally be far happier having taken out low interest finance when I moved in and enjoying it for six years, than having saved up for five years to pay cash and only have had it for one.

So people in normal jobs don't deserve luxury?

Could someone explain what exactly they mean when they use the word deserve and how it differs from profession to profession ?

There's a difference between deserving something, and telling yourself you "deserve" something you simply cannot afford.

That's what the reference was too, people spending money they don't have on treats because they "deserve them".

That applies irrespective of profession/background. If you don't have the budget for luxuries then it's just foolish to buy them anyway.

It's not a moral judgement,.it's a financial one