Americans Using Buy Now, Pay Later for Groceries Risk ‘Cycle of Debt’ With inflation squeezing budgets, more consumers are turning to instant credit apps to make ends meet. ByAugusta Saraiva and Paulina Cachero April 18, 2023, 10:00 AM UTC Faith Smith was already stretching her $500 monthly grocery budget as far as it could go. Then her phone lit up with an imperfect solution. She got a notification that Target Corp. would allow her to use “buy now, pay later” apps, which let consumers pay for goods in chunks over the course of several weeks or months. Smith was all too familiar with the BNPL process: The 34-year-old administrative assistant was already using it to buy clothes and school supplies for her young daughter. “I can’t just buy groceries out of pocket like I used to,” says Smith, who maxes out her credit on BNPL providers such as Afterpay, Klarna and PayPal. “It helps for a week or two, but then you’re stuck with a grocery bill for a couple months.”
Americans Using Buy Now, Pay Later for Groceries Risk ‘Cycle of Debt’ With inflation squeezing budgets, more consumers are turning to instant credit apps to make ends meet. ByAugusta Saraiva and Paulina Cachero April 18, 2023, 10:00 AM UTC Faith Smith was already stretching her $500 monthly grocery budget as far as it could go. Then her phone lit up with an imperfect solution. She got a notification that Target Corp. would allow her to use “buy now, pay later” apps, which let consumers pay for goods in chunks over the course of several weeks or months. Smith was all too familiar with the BNPL process: The 34-year-old administrative assistant was already using it to buy clothes and school supplies for her young daughter. “I can’t just buy groceries out of pocket like I used to,” says Smith, who maxes out her credit on BNPL providers such as Afterpay, Klarna and PayPal. “It helps for a week or two, but then you’re stuck with a grocery bill for a couple months.” donan123 发表于 2023-04-18 17:01
回复 1楼donan123的帖子 Elon Musk @elonmusk · 3h Replying to @WhiteHouse Given Federal expenditures, it is a matter of when, not if, we default
Wall Street Silver @WallStreetSilv Replying to @elonmusk and @WhiteHouse Greenspan: "We can guarantee cash, but we cannot guarantee purchasing power!" Inflation running out of control when the Fed is forced to monetize the bulk of the debt ... printing $$$ to buy it all, that is also default.
ByAugusta Saraiva and Paulina Cachero April 18, 2023, 10:00 AM UTC
Faith Smith was already stretching her $500 monthly grocery budget as far as it could go. Then her phone lit up with an imperfect solution. She got a notification that Target Corp. would allow her to use “buy now, pay later” apps, which let consumers pay for goods in chunks over the course of several weeks or months. Smith was all too familiar with the BNPL process: The 34-year-old administrative assistant was already using it to buy clothes and school supplies for her young daughter. “I can’t just buy groceries out of pocket like I used to,” says Smith, who maxes out her credit on BNPL providers such as Afterpay, Klarna and PayPal. “It helps for a week or two, but then you’re stuck with a grocery bill for a couple months.”
美国人不负责的消费。
你说的这点倒是没考虑到
信用卡十四万是怎么借出来的。
肯定是超前消费，年收入2个加起来好像是23万。
虽说是生活必需品，，但说实在 他们平时生活习惯也太浪费了。比如肉类，打折时不多囤点，我在店里看到人买鸡柳和牛扒，明明店里时不时的打折，非要买在实打实的价格，还一买好几盒。 再举个例子，包菜一颗整卖0.69左右一磅，盒装4.99一磅，可人家就是要买盒装，同样的，一买好几盒。 到家我都在感叹，跟队友说，貌似整个店里就咱家在打折时囤货，通膨根本不影响别人家的生活。
老美的生活习惯就是这样的，我有两个女性朋友都嫁给了本地老美，男的都可算是节俭之人，平时不买奢侈品不讲究吃穿，穿的衣服都是开会发的各种LOGO的白T。但是，去grocery买东西从来不看价格，如果去买牛奶，就拿起看到的第一盒，从来不比价。并且对于老婆要去costco买东西极度鄙视，说要支持本地商店。每次让他去买个什么东西都能把老婆气死。
算起来我房贷五十几万，车贷好几万，除了没有学贷，总贷款不遑多让。关键还是看资产，指不定人家小夫妻拿着几个m的股票呢
it is coming
没有，他们打电话给一个Financial Adviser问问怎么办才能在不申报破产的情况下走出来，那个financial adviser听到他们的负债的时候都惊呆了。
"relatively mild recession" 这说的也太含蓄了lol
那就没辙了，只能破产重来。这样的消费观真是对自己的人生不负责
总比我这样买最贵那一种好很多啊
罐头打开一盒，用一半扔一半。 排骨什么的从来都是吃几口扔掉。 我斜对面有家在nextdoor哭穷，但老是看到他家doordash叫外卖。 他们可能就是这种生活方式，没办法。
说不定人家是医生呢？40岁以后，还债轻轻松松。
想多了，不可能商店就印给你看吧，人家的主体对象也是美国中老年大娘
真是这样
说的太对了，又笨又自大，回国看到国内的人有多努力的生活，回来就看到那些糟心的人和事才发现这个当初心中的美国早就不是自己想象的样子了
不是“老美”这样。是穷人这样。上学的时候去Kmart，在更衣室里旁边有人在跟她女儿说， 等妈妈下周拿到了paycheck，就给你买。 "老美"这个叫法是一个很大的generalization，好几亿人呢，有很富的也有很穷的。
你老公也是美国人吧，是不是理财观念被你掰过来了？
估计是几张上总和欠债， 这个好可怕，信用卡不及时付得产生多高的利息啊 。。
还见过买一送一的，只买一盒，但是也听到有的人去迪斯尼玩，去找gift card deal，为了省10%。不过感觉大部分美国人不那么考虑省钱。
每代人，或者每个人的消费观念也不都一样。我有白人同事，说她grandparents很节约，恨不得一分钱掰成两半花，她们也很无奈。
我以前有个Babysitter，是借了很多学贷的在读研究生，穷的只能租黑人区的房子，吃肉要等超市打折买最便宜的鸡肉，就这样还要连夜排队去买最新款的Iphone，在她看来最新款Iphone才是必需品，吃肉不是。
美国人不怕负债的 大不了破产7年后又是一条好汉！ 至少享受了当下
就是傻 脑子不会计数 懒得算计 这都是拜托美帝的数学教育教出来的 上产阶级通过愚民教育 终于成功的把下中产牢牢的套死在下中产的阶层上 永远不能威胁他们财富的世代传递了
就是不会过日子。 像我们华人这样，赚几百万，却能只花十万的，几乎没有。
房贷还好学贷也就算了 卡债和个人债千万不能碰
就你说的这对母女，你咋知道人家不精打细算过日子呢？ 而且人家并没有pay later啊，不是要等发工资了才来买吗。
华人都赚年入几百万？ 这是美元单位吗？
我不太懂，房贷几十万，车贷几万 值得让他惊呆什么 是个人都有这两项
我家信用卡额度可能有一百万 没试过 几张卡说是没有limite 但应该有隐形的
这是另一个极端，也算是不会过日子。
美国人真是这样啊，我都是看到那里超市打折就去买打折的囤起来。我观察到一般在美国超市里买打折肉啥的当然也有多数是那种退休老人，我想上班的一来忙加上在赚钱他们就不会精打细算。我邻居双职工赚的不少但是买东西从来都是直接去最近的店买原价的。我朋友老公老美她一直抱怨虽然做老板赚的不错但是花钱从不对比，装修房子找贵的也不怎么问价钱那种，买东西也都要买好的。她说赚10$花9$，我劝她还好啊赚的多花的多也享受到了。我看老美赚的少一样也花光的。以前去店里看老美不看价钱买不打折的东西觉得那些人一定挺有钱的吧，现在知道根本不是呢，有一次看到一美国女买了好多吃的（这个美国超市东西不打折时挺贵的）结果付钱时用的食品券，不是说看低人家永食品券，如果是我买打折的吃的话省下不少那食品券还能多用几次了。很多美国人消费习惯就是随便花，不会有我们亚洲人积少成多的观念吧。
肯定也有美国人看打折广告的，除了咱们国人，估计美国退休或老人看得多
为什么买grocery一定要看价格，人家可能就一直买那种牛奶。
是的，每一代人不一样，我老公奶奶那种zip bag还洗洗用用，也非常注意recycle，不知道老美新一代这些浪费的习惯是怎么养成的。我觉得他们有些人以浪费为荣，我们还是以浪费为耻。
美国的数学教育会毁了这个感觉
Elon Musk @elonmusk · 3h
Replying to @WhiteHouse
Given Federal expenditures, it is a matter of when, not if, we default
Wall Street Silver @WallStreetSilv
Replying to @elonmusk and @WhiteHouse Greenspan: "We can guarantee cash, but we cannot guarantee purchasing power!"
Inflation running out of control when the Fed is forced to monetize the bulk of the debt ... printing $$$ to buy it all, that is also default.
换个角度，人家菜店也得赚钱养工人。都跟咱们一样太会精打细算也不好。
理解用食品券的人买东西不看价格。 我这儿Walmart的牛扒价格从来不低，看到好几次老墨买牛扒不手软，后面跟几个孩子，购物车里从来都是堆满的。
啥是个人负债？