Getting trapped in paylater debt often comes unexpectedly. Avoid digging a hole to fill another! Financial Planner Maryadi Santana and OJK share wise tips to keep your finances safe.

Paylater has become a go-to shopping method, but it carries significant financial risks. Financial planners and OJK warn about the danger of income illusions that erode savings and cash flow.

Workers earning regional minimum wages are vulnerable to paylater traps due to ease of access, discounts, and the illusion of additional income. OJK reports consumption needs dominate paylater use.

A financial planner reveals signs that paylater use is becoming unhealthy and how to avoid it. OJK notes that paylater growth is dominated by consumption. Beware of debt traps!