Shelly didnt realise she had a problem until her payday. ‘I checked my banking app in the morning like I do every payday, and I saw that nearly half of my pay had left my account!’ explains Shelly. Like many young adults in Shelly's generation, she had fallen into the habit of using the ‘buy now, pay later’ schemes that many shopping websites offer their users. Recently, these schemes have been criticised for pushing young people into unnecessary debt. ‘At first it was great,’ says Shelly. ‘I felt like I was getting something for nothing. But I’m really paying for it now. It’s going to be ages until I’ve paid off all my purchases.’
