Afterpay and other layby-in-reverse systems like it - where you can take your purchase now but pay for it over several weeks - have become commonplace almost everywhere you shop. But be warned - while it might seem irresistibly convenient, it's not designed to help you budget - it's designed to make you spend more, which can leave you in debt.

Read Hannah McQueen's take on the prevalence of buy now, pay later schemes and why you need to treat them with caution.