It’s all well & good to have that view, & i totally understand it. However, having worked with very disadvantaged people in the past… sometimes groceries IS the emergency. Msny people will end up trapped by this because they just need to eat. It is upto afterpay to properly vet their clients & ensure that they’re able to repay, not the grocery stores.

It’s really down to teaching people good financial management so they can use things like Afterpay as effective tools.

Not something I’d do, but I see it similar to using a credit card there is a demand for it because people will always want to buy what they can’t afford.

I have never used afterpay and I hope I’m never in a situation to need it.

This will not end well for some.

Wow. I have never used AfterPay and have no interest in it. If I can’t afford something, I either wait until I can, or don’t buy it. This is a very dangerous and slippery slope for some.

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  • • mom160270 replied
    • 28 Mar 2024 , 10:54 am

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  Exactly what I am thinking.

This is dangerous but I suppose handy foe those in desperate need. However if we can’t afford to pay today, there will be a great debt build up.

If people can’t afford their groceries outright, there’s obviously a huge problem. This will only make things worse as they accumulate debt they can’t repay.

Desperation to survive, calls for alternatives to living and staying afloat.

I have been living paycheck to paycheck and buying groceries with afterpay for the past 12months making smaller payments to pay for groceries makes my life easier wether it coles or woollies l find it better

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  • • Ellen replied
    • 26 Mar 2024 , 8:57 am

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  Sorry to hear you are in this position !

We have always lived by the rule of ‘Only go into debt to buy a house’, Everything else can wait, be saved up for, substituted or not needed. With the prices of groceries increasing so much the last couple of years, its no wonder that credit companies have seen a gap in the market with supermarkets. Its a business, they are in it to make money. Don’t be sucked in to thinking this will help, you do not need debt. If you need help with groceries please contact the Salvation Army, Foodbank, VInnies or your local church. If they can’t initially help, they will direct you towards an organisation that can.

If you cannot afford it, don’t get it. This is not societally responsible!

In my opinion this pay option is the quickest way to get into trouble. If I haven’t got the cash to buy something, I don’t buy it. Spread over 4 payments, then the next one similarly spread, at some time you will be unable to pay all the 4 payments on time – and then you are in the ‘s–t’ big time.

For some people this would be a useful budgeting tool, but I can see that others could get into trouble with it.

I do not see how this is any different to using a credit card and people have been doing that for decades.

I can understand the use behind people needing to use this as an option but cannot help but think of the longer term effects and debt that will come from this on going cycle.

I just hope people don’t get pulled into debt just to pay their groceries.

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  • • Ellen replied
    • 25 Mar 2024 , 8:38 am

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  That’s what I hope too !

Not a payment option i use personally, but if its there and people want to use it then why not.

It’s another payment option that is easy for some, so I don’t think it should bother anyone else.

I get it for some people, but I really hope it works for them. there might be a day I need to use it but for now I won’t be.