yep, this is...a fewjackets from topman. my khaki jacket from zara. jacket from h&m.cket from topman. cargo trousers from zara. i've got another cargo trouser from bershka. so, was all of this purchased using buy now, pay later? yeah, all of them. buy now, pay later is mostly used for online shopping. mike uses it to get the clothes he wants straightaway. he doesn't have to wait until he has the cash to pay for them. if you didn't have the option of splitting it, would you always spend that much money on clothes? um, i probably would've found it hard to purchase that solely, with those kind of prices. it would have been very hard for me to do it. instead of paying the full cost up—front, it's typically broken down into weekly or monthly repayments. it's interest—free credit with no fees, providing mike pays his instalments on time. you can pay, like, £10 this week, and then £10 the next week. it's less of a shock to the system than, i don't know, going to a shop and buying something, and then the total being £100 and something quid. that's what makes you want to use i