Seems like a good point to repost the excellent advice I learned years ago, about knowing you’re ultimately going to have less money to spend if you borrow it.
My grandparents called Buy Now Pay Later (it’s not a new concept) spending on the “never never” and whilst it can be a great tool if you’re confident that the thing you’re buying is actually urgently needed, and your life situation won’t change in the short term (see the example above about a new washing machine), how many young people, who are new to debt, are still paying off ASOS clothing they no longer even wear?