this is how you take back control from bnpl


You’ve probably seen the “Buy Now, Pay Later” options all over the place…Affirm, Afterpay, Klarna, you name it. It’s tempting to break up a purchase into smaller payments instead of paying the full amount upfront.

But here’s something you need to know:
BNPL loans are now being reported to your credit report.

👉🏽In April, I shared on Threads that Affirm had already started reporting to Experian. The others are following suit.

This can be a good thing or a bad thing, depending on how you handle these loans.


Here’s what this change could mean:

✔️ Pay on time? It could help your credit score.
Miss a payment? It could hurt your credit score.
💡 Too many BNPL loans open at once? That might make lenders nervous when they pull your report.

The companies reporting these loans want you to think it’s all positive. They say it’ll help people build credit. But the truth is, it’s only helpful if you manage the payments well.

I personally don’t use BNPLs…except once when my credit card offered its own version for a big purchase. I’m not a huge fan, but I get it. Sometimes, people just need a little breathing room.

I’m not against BNPL.
But I am for making sure you have the full picture before you click “4 easy payments.”


Instead of using BNPL to create breathing room in your budget, let’s build a plan that gives you that room without depending on these loans.

🗓️ Book a Smart Money Strategy Session and we’ll:

  • Review what you owe and when
  • Build a plan to pay things off in a way that works with your income
  • Create a flexible budget that keeps you from falling back into the BNPL cycle

You don’t need to rely on loans to feel in control. You just need a plan that fits your life.

👉🏽Click here to book your session now


Now I’m curious...

Your money decisions should always be made with full info, and that’s what I’m here for.

Eager to see you thrive,

Prisca

P.S. I help women like you create a customized plan for your money that allows you to enjoy life now while saving for your future. Schedule a free call to learn how my coaching can help you.

🗓️📝

Current Event

The Self-Care for Success Bundle is officially open—and it’s packed with over $900 worth of wellness and mindset tools from women who truly get it. My Emotional Spending Journal is included, along with tons of other thoughtful resources to help you feel less overwhelmed and more supported.

​Grab your free bundle before it ends on July 9th →


​​​​

📖🎙️

Read/Listen/Watch

I had the chance to chat with ​Tony Steuer​ on his podcast about why so many people making good money still feel broke — and more importantly, what you can do to feel in control and confident with your finances.

​Give it a listen​ and take away some practical steps you can use right now

​Join the conversation →​​​​​


​​​​​

🧠🔨

Smart Money Tools

I LOVE ​using Monarch Money to keep tabs on my money​. It does the hard work of tracking and categorizing my expenses so I can make quick work of seeing where I stand when it comes to my budget. If you use my link, you'll get 50% off for the first year so you can see if it's a good fit for you! There's also a 7-day trial.

You can check them out here →​​​

​​​​​​​


CONNECT WITH ME ON INSTAGRAM

Note: This email may contain affiliate or referral links which means I may receive a commission if clicked at no extra cost to you! I appreciate your continued support!

Hi! I'm Prisca, money coach for professional Millenial women

I help professional women balance their desire to enjoy life now with the need to save for the future without stressing over every dollar.

Read more from Hi! I'm Prisca, money coach for professional Millenial women

My piece of joy last week: I reached out to Nutre (a meal prep company I use sometimes) and asked if they could apply the nurse’s discount they were promoting to my account. At the time, I had a different offer… a free pound of cooked chicken. Nice, but honestly? That 15% nurse discount was more valuable to me. And guess what? It was super easy. They made the switch. Lesson: It never hurts to ask. And no one cares about your money like you do.(I’m a close second 😜) This email may contain...

Behind the scenes look of the Smart Money Bundle live from June 16-21, 2025

Want a BTS (behind the scenes) look at the Smart Money Bundle? Of course you do! Also, I had the pleasure of attending the Blue Ivy concert last week with my sister and cousin! It was a sight to see and an experience to remember. This email may contain affiliate links, meaning if you click through and make a purchase, I may receive a commission at no cost to you. 🧠 Mindset Shift of the Week Spending money guilt-free is a thing. Because spending money isn’t the problem. It’s how and why we...

Ever feel like your money is just out of reach, Reader? You try to stay on top of things — the bills, the budget, the debt, the goals — but it’s hard to know what’s working and what’s falling through the cracks. You’re not alone. And you don’t have to figure it out on your own. That’s exactly why I created the Financial Fitness Checklist — a simple, powerful tool to help you assess your current money situation and take real, doable steps toward financial confidence. In less than an hour,...