With the years I learned some rules of behavior on internet, but I wonder if there is some kind of extensive guide for parents who are not experienced with technology.
For example, I don’t think content blockers are a good idea for teenagers. It works for kids, but teenagers will find workarounds because parents were lazy about teaching them the dangers and instead used a spyware app.
Here is a bad written list of some obvious rules:
- Be anonymous
- Use private social media accounts
- Do not tell any personal information
- Use ad blockers
- Learn to recognize ads
- Learn to recognize AI generated text and images
- Learn to recognize scam
- Understand consent
- Learn to prevent blackmail
- Learn to prevent grooming
- Learn how fake pornography is and the unrespectful content
But I wish there was some kind of step by step guide
If the BNPL offer comes with 0% interest and you pay with debit, or a credit card that you always pay off timely, I don’t see how it can be such a bad thing. Spending your money immediately, especially with the inflation accounted for, a fix $50 over twelve or twenty-four months means you actually came out ahead theoretically, since your money went further.
The only catch here is of course that vendors will price their goods accordingly, where BNPL or loans will be the only way to afford their goods.
I issue with subscriptions and pay later schemes is, that you loose sight of what you have paid, will pay next weeks/ months and what amount of money you still have left.
Taking inflation into account for anything that is below 100k and over more than 5 years, is just ridiculous, to say it in plain words, sry.
In short you live day to day with your money without any planning if you let your cash flow out by itself (subscriptions, loans)