You’ve probably heard the words ‘self-care’ thrown around a lot over the last couple of years.

It’s the idea that you need to let yourself indulge every now and then in the things that make you happy, whether that’s a bubble bath and some wine, or a walk in the park.

It also means treating yourself every so often to something that, if Marie Kondo asked you to hold it and tell her how it feels, would bring you joy.

We’re told not to put too much stock in ‘commodities’, but quite honestly, stepping out in a new pair of shoes, or a great dress, can do wonders for your confidence and sense of wellbeing.

Maybe you’d like to upgrade your home with something beautiful, or start a new sport or hobby?

Whatever your self-care needs, buying the necessary goods to fulfil them can easily feel like an unnecessary expense, which means that they get put on the back burner.

We’re all feeling the effects of ‘Januworry’, right?

Thankfully, a lot of great retailers are catching on to buy now, pay later (BNPL) services that provide shoppers with an attractive alternative to credit cards, or payment schemes that accumulate interest.

PayJustNow is South Africa’s first BNPL company, and it has partnered up with some iconic local brands. If you or someone you love has been coveting a gorgeous leather bag from Freedom of Movement, or a new surfboard from Dark Star, then you can select the PayJustNow option at checkout.

You then pay your purchase off over three months, in three easy, interest-free instalments.

Once you’ve got that surfboard, you might want to stock up on some Breazies board shorts for those sunny beach days.

If you’re more of a homebody when it comes to self-care, pamper yourself with something from the Hey Gorgeous range of bath and beauty products, or give your lounge a facelift with some handmade rattan furniture from Malawi Cane.

All of these merchants, and many more, are embracing PayJustNow, with new merchants coming on board very often.

You can also shop at Jane Valken (below), Be Bright, Your Beauty Box, and Daykini, all of which are offering the BNPL option at checkout.

If you want to browse the full range of PayJustNow merchants, pop in here.

Then all that’s left to do is fill that cart, complete a simple registration with PayJustNow, and click the checkout button, secure in the knowledge that you’ll be getting a quality product, which you can pay off in three easy instalments.

There are also no hidden fees, for those who usually fear the worst.

When it arrives, may it bring you much joy.