For some shoppers, money worries may cause them to tighten their budgets and shop more responsibly. They may reduce their spending by shopping around for bargains, cutting out unnecessary purchases, setting a budget for spending, and prioritizing necessities. Others may try to minimize their debts by paying off balances before new purchases are made.
On the other hand, some may choose to buy now and pay later, either through installment plans or layaway options. This approach allows them to purchase items they may need now without paying the full amount upfront. This approach, although beneficial in some circumstances, can be dangerous if shoppers are not careful to pay off their balances quickly before they accumulate too much debt.