As stressful as it can be, the psychological pain of paying for purchases in full and not later is a crucial deterrent to overspending, a finance blogger says. At the risk of sounding like a tech-challenged grandmother, I confess that the rapid rise of "buy now, pay later" (BNPL) services in Singapore has been rather alarming to watch. Data from several providers in Singapore offering this payment mode showed that consumers frequently used it for non-essential purchases such as makeup, fast