Now before I get into the nitty gritty of this unusual discovery of mine, I feel the need to cover my butt ahead of all the mean keyboard warriors who probably will want to rip me to bits for how irresponsible this sounds.

Firstly, something about having to pay for groceries with Afterpay doesn’t sit well with me – but then again I don’t know how it differs any to placing groceries on a credit card. I guess I just felt as though Afterpay was saved mainly for splurging- for those items that went on sale and then were even further reduced that you didn’t really need, but would be silly not to snap up at less than a quarter of the price that it originally was… that kind of spending – as well as unexpected expenses… unusual things that you wouldn’t necessarily have the extra cash saved up for.

I Was Up For The Challenge

I am so extremely against spending money that I don’t have that I haven’t even got a credit card. However, as careless as it sounds, I just had to find a way to pay for groceries using Afterpay. Perhaps it’s the excitement of what feels like ‘breaking the rules’ considering that it isn’t an option on either the Coles or Woolworths websites yet. But either way I am happy that I found a way around placing groceries on Afterpay!

This Is How To Afterpay Groceries

Here’s how I did it-

First I logged into my cashback app (so far I’ve made over $300 back in a year, so it pays to remember to use it- depending on where you’re shopping). There are HEAPS of different cashback apps to choose from, do your research and choose one that best suits your shopping trends.

I then logged into eBay via the cashback app and added roughly $50 worth of essentials to my cart from the Coles Ebay Store – I needed to spend $49 to get free delivery AND by using eBay I also got an additional 10% off.

Just to be sure that I wasn’t being ripped off, I also double-checked all the prices separately on the Coles website – time consuming I know, but my experiment would have been absolutely pointless if I ended up paying more for the items just because I was not using their site.

Thankfully there was no difference in price whether I checked out from the Coles eBay store or the Coles website. And let’s not forget the FREE delivery, extra 10% off as well as the AFTERPAY payment option!

It’s Good To Have The Option!

Of course, I’m not recommending this as a stable financial strategy. Unless you are on top of your Afterpay or are using it purely for the discount codes that they occasionally launch. But let’s face it – it’s always good to have options. Heaven only knows the little financial hiccups that get thrown in people’s way and it’s always added peace of mind to have an emergency backup plan C, just in case plans A and B fail.

It (Probably) Also Works With Woolies

Essentially this idea could also possibly work at Woolworths by purchasing their gift cards with Afterpay prior to actually doing the groceries. This idea I’m not certain of because it’s only a theory, and then there are also no extra bonuses that go along with it like the free delivery and 10% off (that I know of).

As reckless as this idea sounds, I hope that it is helpful to someone! I also hope that my hubby never finds out that I experimented with this because he already cracks enough jokes about what a savvy shopper I am hehehe!

But Buyer Beware

Whatever you do, don’t overspend by using this method. Remember that whenever you use things like Afterpay you’re shopping with money that you don’t yet have, and nothing is guaranteed in life so only do it if you really have to. I mean there must be a reason why these supermarkets don’t offer Afterpay as a payment option on their websites after all. And for heavens sake don’t use this as an opportunity to stock up on toilet paper. If it’s not a necessity that you’ve got the cash for then it definitely isn’t worth stockpiling with money you don’t even have yet.

Happy shopping and as much as I hope no one has to use this method as an emergency option, I do wish that it provides someone with the peace of mind knowing that it is possible.

… now if only Aldi would just jump on the online shopping wagon, my shopping life would be complete!

Do you use Afterpay? Would you Afterpay groceries? Tell us in the comments below.