Klarna, Afterpay, Affirm HORROR STORIES | Buy Now Pay Later RUINS Shopping

Frugal Friends Podcast

Jen Smith & Jill Sirianni | Backyard Ventures

Leisure, Home & Garden, Business, Investing

4.8 • 1.1K Ratings

🗓️ 31 October 2025

⏱️ 61 minutes

🔗️ Recording | iTunes | RSS

🧾️ Download transcript

Summary

The wildest hocus pocus you’ll see this Halloween isn’t in the haunted houses, it's how Buy Now, Pay Later is leaving people trapped in debt or with ruined credit. Jen and Jill share BNPL horror stories featuring real people and truly scary consequences and how to protect yourself if you’ve already swiped your way into one of these spells.

🎙️ Get full show notes here!

https://bit.ly/ffpbnpl

📘 Order the book here

https://bit.ly/BWYL-podcast

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https://www.frugalfriendspodcast.com/bill-of-the-week/

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http://www.frugalfriendspodcast.com/club

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Transcript

Click on a timestamp to play from that location

0:00.0	I think we're in for a tough couple of years. There's no sugar-coating it.
0:03.2	I'm Phil Buchanan, the president of the Center for Effective Philanthropy.
0:07.2	My co-host, Grace Nicolette and I are excited to bring you a new season of Givington Right,
0:12.0	the show exploring what it takes to be an effective donor in this time of unprecedented challenge.
0:18.0	This season, we're excited to bring you conversations that will help you navigate the current difficult context for nonprofits and donors alike. A new season begins on
0:25.9	September 4th, so be sure to subscribe wherever you get your podcasts. Buy Now Pay Later was supposed to
0:31.6	make shopping easier. In reality, it has left people in debt with ruined credit and with shopping addictions that
0:41.3	are supercharged.
0:43.2	So on this All Hallows Eve, we have three scary by now pay later horror stories for
0:50.7	you with real people, real scary consequences. And of course, we're going to share
0:55.7	how to be able to protect yourself if you've already swiped your way into one of these.
1:05.1	Welcome to the Frugal Friends podcast, where you'll learn to save money, embrace simplicity, and live a rich
1:12.8	your life.
1:14.8	Here are your host, Jen and Jill.
1:18.6	Welcome, Frugal Friends.
1:20.3	I'm Jen.
1:21.1	I'm Jill.
1:21.9	And happy Halloween.
1:23.5	If you are listening to this or watching it when it comes out on October 31st, and if you're not watching it, you are totally missing out on Jill and I's super, super insane Halloween costumes, like just all out.
1:42.1	Essentially cosplay, I think you could call it.
1:45.6	If there are any cosplayers in the chat, please.
1:51.1	Affirm.
	...

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