It’s Monday; which means it’s time to stretch your money mindset on Money Mondays 
with Xoli Zondo and Gerald Mwandiambira. 
This week, we’re unpacking a financial trend that’s becoming more and more common; 
“Buy Now, Pay Later.” 
You’ve probably seen it while shopping online or in stores. Instead of paying the full 
amount upfront, you take the item home today and pay for it over time. Sounds convenient, right? But is it a smart money tool… or a fast track to spending money you don’t actually have?

So Xoli asked our Money Babies a big question: what do they think about “Buy Now, 
Pay Later”? Does it make life easier by helping people afford things when cash is tight? 
Or is it a way to get more people into debt? 
And perhaps the biggest question of all: when they grow up, would they use it them
selves? Because sometimes the easiest way to buy something today can have consequences 
for your money tomorrow.