“Buy Now Pay Later” is convenient, trendy, and even addictive.
But for many, it’s the beginning of:
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Hidden debt
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Mental burden
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Delayed regret
The trap? It feels light now. But it gets heavier with time.
And by the time you feel it — you’re already stuck.
How the Survival-Me Falls for BNPL
The Survival-Me says:
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“I deserve this now.”
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“Everyone else is doing it.”
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“I’ll figure it out later.”
It acts from:
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Impulse
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Short-term pleasure
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Avoidance of discomfort
And in doing so… it creates future stress in exchange for temporary satisfaction.
But the SuperME Does Something Very Different:
1. Purpose over Pleasure
“Do I need this… or am I filling a void?”
A SuperME doesn’t spend just to feel good —
It spends to align with who they’re becoming.
Love Your Future Self
“If I truly love myself, would I burden myself later for a quick fix now?”
SuperME loves with long-term compassion —
It doesn’t sabotage tomorrow just to soothe today.
Gratitude for What You Have
“I already have more than enough.”
SuperME shifts focus from lack to abundance.
It says:
“I’m not poor because I can’t buy this now.
I’m rich because I don’t need to.”
A SuperME Practice Before Buying Anything (Especially BNPL)
Ask yourself:
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Is this a want or a need?
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If I couldn’t buy this today, would I still want it a week from now?
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What’s the cost of the stress this debt might create?
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Is this aligned with my Purpose?
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Can I be grateful for something I already have — instead?
These 5 questions activate your PLG Compass.
And when your PLG is aligned — your spending is wise.
Final Thought:
BNPL is not evil.
But it becomes dangerous when you use it from a Survival-Me mindset.
The SuperME rule is simple:
“Don’t pay later — when you can live lighter now.”
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