⚠️ Warning before using SPayLater‼️

Many people use the SPayLater service, which Tan itself is one of them, but in recent times Tan will not pay the absolute minimum ❌ because the interest on the installment is quite high, and it is also a trap for many people that when the salary is out, they have to pay this part until there is almost no money left to collect 😵‍💫😫.

10 SPayLater's silence that many overlooked

1. 🧠 The brain feels that it "has not lost money."

When paying cash, the brain feels "lost money," but when pressed, bought first, paid later, the brain feels almost no pain, so it makes it easier to buy, buy more expensive, and buy more often.

2. 📦 of first arrival...Salary comes later

Happiness is immediate, but the real burden of payment returns a month or months later, causing many to "forget" that they are in debt.

3. 💸 Relaxation is only 300 baht a month. It doesn't seem like a lot.

But...

300 Baht × 8 Items = 2,400 Baht / Month

Many people do not have financial problems because of one piece, but because of several bit-by-bit installments.

4. 🛒 Start buying unnecessary things.

From the original, bought only the necessities. Once there was a limit, I began to think

"Hold it first."

"I'll pay."

Finally...The house was full of stuff, but the money in the account left less.

5. 💳 The greater the limit, the richer it feels.

Many people mistake that.

There is a limit = there is money.

The more tempting it is, but actually, the limit is the ready debt, not our money.

6. 📈 Install multiple apps simultaneously

Some people don't just use SPayLater, but also have other apps or credit cards. When you press down, it may feel comfortable, but when it's paid, many people even have tears.

7. 🚨 Minimum payment until habitual.

Many people think that the minimum payment is the administration of money, but it can actually prolong the debt burden, and have the opportunity to incur additional costs on the terms of the provider.

8. 📉 Impact liquidity

Many people installment SPayLater until each month's salary is not enough, so they have to borrow or borrow money during the month, and then they become increasingly indebted.

9. 🎯 Promotion makes shopping more than necessary.

There is a limit + there is passion = shopping because of the promotion, not because it is necessary.

Many times, we buy because we are afraid of missing the promotion, not because it is practical.

10. 🏦 may affect the ability to apply for loans in the future.

If the installment is not on time, there may be a follow-up fee or carrier conditional expenses, and the history of repayment may affect future applications for other loans, such as home loans or car loans.

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