in comparison with
... because I believe, like you, in saving for items where the price is higher than I can comfortably pay at the moment. Afterpay or Zip or anything of that sort makes its money by the many who use it and end up paying for it. If Afterpay and similar didn't have a good proportion of its users paying fees and interest, it wouldn't work as a concept, let alone as a business.
@busygirlie, you will always run an appreciable risk in using Afterpay or its ilk. Would saving for those expensive purchases not make better sense? While you're saving, you'll be earning interest on the saved amount (at the moment - and admittedly interest has been doing the limbo recently), and you will also be giving yourself extra time to look around. If you are tempted by a particular sale, perhaps keep in mind that sales will always pop up and that the "once in a lifetime sale" rhetoric is just that - a lie.
Once you've the amount, you can buy on the spot, and possibly even negotiate a cash payment discount in-store. You won't have a sinking feeling that you still have to actually pay for the purchased goods... you won't get yourself in trouble if something disastrous happens after the purchase (such as losing your job, unexpected medical/financial emergency, etc.), so that the purchase is made with a wonderful peace of mind unalloyed by any concern about payments coming out.
Once one's saved the 
