Budgeting in a BNPL world

BUY-NOW-PAY-LATER (BNPL) services have been all the rage in recent months, and for good reason. 

Generally, these services help break down large purchases into 2 to 4 monthly payments, helping consumers spread out their payments so that they have more cash on hand for other needs. Providers like Atome and Grab have also been pushing discounts across various products and services, both online and in-store. 

In February this year, I decided to treat myself to a larger computer monitor, so I could finally stop ruining my eyes with my tiny laptop screen.