that puts you onto a very slippery slope where you then think that credit is the way to extend your spending. itjust felt like it was a really easy option. we would just go online, buy something _ and, you know, get that free serotonin from it. i like, probably half of my wages go on spending clothes and buying clothes. i was literally buying things because i was bored, i was buying things when i was sad. global data company equifax has analysed the buy now, pay later market. it looked at the spending records of more than 90,000 people and found that nearly 30% of all 20— to 30—year—olds in the uk are using buy now, pay later. because the service was always available, i would buy things even if it was... i had no money left. in terms of, like, my relationship. with buy now, - pay later services, i think it probably is a little