Money worries push some shoppers to tighten budgets while others buy now, pay later

For shoppers who are worried about money, tightening their budgets is often the best approach. This can mean reducing nonessential spending, making a budget to track expenses, and being more mindful of how much and what items are purchased. Those who are able to manage their finances responsibly may take advantage of programs like layaway or discounts for cash purchases to save money by paying now. Alternatively, shoppers can explore other financing options such as buy now, pay later programs, where they can purchase items in installments. This can help shoppers manage their spending while still enjoying the convenience of buying now.