Guides
Not impulse buys. The ones where the whole bill arrives at once, and what to do about it.

Four payments over a few weeks answers a small number. On a large one it reschedules the problem instead of solving it, and the two answers people reach for instead are both worse.

Healthcare, cars, school fees, kitchens, treatment programmes. Five categories with almost nothing else in common, and one shared problem: the bill arrives whole.

A large purchase is decided and paid for in the same moment. That is where the sale goes. What changes when the two come apart, and what does not.