What do you make of 'buy now, pay later' options — handy or a trap?

A natural way to answer

I can see both sides. Used sensibly, it can help you spread the cost of something essential without paying interest. The danger is that it makes overspending far too easy, and people can quietly rack up more debt than they realise.

Key phrases to use

• come back to bite you — to cause problems for you later as a result of an earlier choice“Ignoring the bills will come back to bite you.”
• bite the bullet — to force yourself to do something unpleasant but necessary“I bit the bullet and paid it all off.”
• spread the cost — to pay for something in instalments rather than all at once“You can spread the cost over six months.”
• rack up — to gradually accumulate a large amount of something, often debt“It's easy to rack up debt on a card.”