- cross-posted to:
- [email protected]
- cross-posted to:
- [email protected]
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I don’t know, I’ve enjoyed the everyday email of “did you forget to select a payment plan?” emails or “attention required” emails. Nah I forgot to give a shit and after 4 more years the statute of limitations expires and then, well already got new credit cards so whatever. Like you’d expect me to give a shit when you raise 11% to 18% and then change it to daily interest; not interested.
TIL about Klarna.
Honestly, you don’t need subscriptions to live, and you certainly don’t need to make use of klarna lmao.
Spending $1000 on hard drives isn’t very cheap either
You don’t need to. Just download, watch, delete. Download again if you like. Save only what’s special.
Klarna and subscriptions are kinda voluntary though. Technically so is debt, but that’s… a difficult topic
It hurts to see him melting. He’s been fine for so many years in so many memes, please don’t let this happen to him.
That’s what tends to happen when you sit in the middle of a fire
That was always how it ended. The artist even made a follow up comic. https://thenib.com/this-is-not-fine/
They shot a gorilla? Is that a reference to a real world thing? (In Germany they shot a bear maybe 15 years ago - and I’m still mad about it.)
It’s a reference to Harambe, I believe. This update is not recent.
Ahhh, yeah, that makes sense!
Klarna? Why is that there?
It was a big thing I think it was last year that people were relying on klarna for their food shopping.
Loans for small things are high risk and aren’t worth it for a bank in a normal economy. People can’t afford the basics and have to lay-away like in the great depression. Klarna is the canary in the mine.
Ah okay. I just use Klarna as a credit card type thing, and pay my invoice every month. 🤷♂️ Sorry, I wasn’t aware it was used as a means to survive.
Then why use it?
Edit: and you mean you pay the entire balance, not just the monthly bill, right?
To keep track of my finances. Also no need to make sure I have enough money on my debit account at the time of purchase. More flexibility, more control.
I pay the full balance of my monthly bill every month, correct. Every purchase is added to my monthly bill.
So just a credit card. So why klarna though? Why not a credit card with cash back?
why klarna though?
- free
- simple
- pretty good app
- zero interest for 30-day “pay later”
- zero fees for international currency conversion purchases (basically just Steam in my case, but also some other random purchases)
- I started by testing Klarna just to see what it was about and I liked it so I kept it.
I’m sure there are better solutions out there, that’s not something I’m refuting here. I’m just saying I’m using Klarna and it works well for me.
Makes sense :-)
Klarna is for people who want to buy something but don’t have enough money right now. It’s helpful to them because it’s interest-free so they can pay off little items over the course of several months without acquiring interest.
But if you have enough money to buy something & pay in full, just do that. No need to drag it out for months if you’ve got plenty of money in the bank.
So it’s just a credit card with an above average time limit on when you pay interest.
Of course, only people that want to buy something and don’t have enough money right now use credit cards.
You’re describing the type of person they prey on, the exact type that should stay far away from it unless they have truly no other options.
Klarna is for people who […]
Well, Klarna is a free service, and I can use it however I like.
I use it to gather (all of) my financial transactions on a neat invoice so I can categorize them and keep a close tab on my family’s budget. The invoice is paid by the next month, so it isn’t “dragged out for months”. I even have the physical Klarna card which you can also get free of charge.
This is very deliberate by me, so I don’t need anybody to tell me what I should do instead. 👍
Is this meme trying to say that trying to scrape what little joy we can out of the world… is a bad thing?
People are able to do multiple things, just not necessarily at the same time. And most don’t have the mental or emotional fortitude to spend 100% of their time on fixing everything that’s wrong with the world.
Treat or no treat, we are all in the same house and the house is on fire. Might as well have your treat.
£500/month car payments, £80/month phone, £125/month TV/streaming, £250/month takeaways.
Is this really just a treat? You could buy a house with that kind of money. I know real people with monthly expenses like that and justify it as a treat for themselves. Other than takeaways they are all used as endless subscriptions, when the car or phone is at the end of its payment period they get another one.
Years ago when the cost of living became a popular talking point, it started to be something the middle class noticed. I remember seeing people on the news crying that they couldn’t afford food - while earning 4x my income at the time.
Middle class, don’t even know how to be poor properly.
You seem angry. A treat to me is a cookie. I get them time to time. It’s lovely.
I stopped paying for subscriptions a while back in favor of Jellyfin/ad-based competitors and was floored by how much bigger their libraries are with far more respectable privacy policies (some don’t even require an email address)
Only real “drawback” is they aren’t as much part of the current zeitgeist
If my face is gonna melt anyway let me have my fun.
How is klarna in there?
I mean they suck, I am pretty sure they breached my phone number, but how are they relevant?
Klarna is actively incentivising unhealthy spending patterns, employing dark patterns, stuff like that.
I’m gonna polymarket the outcome of your comment… but I don’t want to pay for the bet all at once…
Loan sharks have been a thing for a long time. Legal loan sharks… yeah, that’s new.
I hope the next time someone pays in front of you, it’s for a single, inexpensive item. Also, it’s the slowest person you’ve ever seen and they start paying in cash, come up short, make up the difference in a hand-written, personal cheque. Then they remember they have a coupon. It’s expired. The cashier calls for a manager override. The customer writes another check for the new balance. Before handing it over, the customer remarks the price label looks incorrect. The cashier gets a price check, confirms the new correct price. Another manager override. Another check. The cashier takes up the cash and realizes one of the coins is of a foreign denomination. The manager is over it by now and tries to pay for the item, but the customer is too proud and insists on paying for it themself, remarking they’ve “never taken a handout in their life.” One of the less patient customers behind you jokingly asks if they’d like to round up for charity. Turns out they very much would and that’s about when the pen begins running out of ink, but they’re determined to make it work.
This would make an excellent curse to cast on someone. I do wonder if it might be a bit too brutal for c/[email protected] though.
Like you can afford that after you borrow money for groceries and pills
You’re fine with paying interest on a loan to buy a hot dog?
No, but listen. It’s zero down and I don’t have to pay for five years!
No, I’ve never heard of “compounding interest”. I’m not a banker. Who cares, gimme that dog.
No one is buying a hot dog using Klarna except as a joke. It’s just hire purchase.
If that’s affecting you particularly, then you chose to buy a hot dog on a loan AND you failed to pay it off in time. Far cry from inflation and taxes which affect everyone.
Subscriptions are in the meme and people choose those.
Oh those too, but a Netflix subscription is still a better deal than buying tons of movies and shows. There’s literally no reason to be getting klarna hot dogs other than because you’re an idiot.
