I’ve just moved into a new unfurnished place from a furnished place, which meant kitting it out with a ton of new stuff.

The best way to do this is to mine for sales and savings, which, luckily for me, happen at around about this time of year as retailers clear out stock.

One problem – I’m a writer. We don’t exactly earn millions and, for some reason, the biggest sales always happen in the middle of the month.

The ‘buy now, pay later’ mentality isn’t something I’ve been very fond of, but then I came across the newly launched PayJustNow, South Africa’s risk-free, #zerointerest payment solution.

PayJustNow offers a responsible and rewarding payment alternative to lay-by and credit. To put it simply, it’s a ‘buy now, pay later’ solution to shopping online that doesn’t end up coming back to bite you in the end.

If you want to take advantage of that middle of the month sale or you need something urgently, you pay a third of what you owe, and the rest in two easy, interest-free instalments.

The only fees that they charge are for late payments, and to make sure you don’t forget, they’ll send you a monthly reminder prior to your payment date.

Simple.

When you buy something on credit, you often end up paying far more than the original price way down the line. The ironic thing is that by the time you’ve paid that hefty sum, the item has severely decreased in value due to use and time, which means that you’re losing even more money.

Visit PayJustNow’s website to set up an account (it took me less than two minutes), learn more about the service, and get shopping. Then sit back and wait for your delivery.

Shopping is, after all, generally cheaper than therapy.