mum—of—two tamsyn lives in northampton.ow, pay later. i've got an 8—year—old as well, so she's quite expensive, with school uniforms and everything. backpacks, like, stationery, things like that, i've used buy now, pay later for them. how helpful is it for things like that? i don't have that money sitting in the bank, ready to use, so it's been so helpful. tamsyn�*s on maternity leave, so this christmas, has less cash to spend. she's been turning to buy now, pay later more and more. i started buying probably a month or so ago, so i've already got quite a lot. and, yeah, every time i log in, i see summat. i'm like, "ooh, that looks nice. i'lljust get that." how much does christmas tend to cost you, in general? definitely a couple of hundred, if not more than that. i go out — i go all out at christmas, you know, i do spoil my children, because why not? she signed up to six buy now, pay later companies and takes me through her accounts. i've spent £73 on there and i've paid off 20, so i've still got £54 to pay back on there. i