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This is causing many Americans to look for ways to save money on shopping trips.

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These work like a credit card; however, you wont pay any interest on your purchase.

This makes them a much safer option.

Unfortunately, Buy Now, Pay Later programs can also have adverse effects.

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If you will use Buy Now, Pay Later to purchase an item, do so carefully.

This is a familiar feeling for many people.

Some retailers are helping to alleviate this issue by allowing customers to try before they buy.

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If you decide to keep the item, youll be charged.

However, if you decide against it, you could return it to the store.

Otherwise, youll be spending more money than you should.

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However, this isnt the case for everyone.

Buying large quantities of anything increases the likelihood of waste and the odds are even greater for perishable items.

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