“Is Takaful Essential for BNPL?"

Here are some potential benefits of not relying on BNPL and being financially smart:

1. Avoiding Debt: By not using BNPL, you avoid accumulating debt and the stress that comes with managing installment payments.

2. Better Financial Control: You’ll have more control over your finances, as you're not tied to future payments or financial obligations.

3. No Extra Costs: BNPL plans may come with hidden fees, late payment charges, or interest rates. By avoiding it, you save money in the long run.

4. More Savings: Being financially smart allows you to focus on saving and investing, rather than using credit-based systems like BNPL.

5. No Need for Insurance: If you don’t use BNPL, you won’t need to spend extra on Takaful or other forms of insurance to protect against potential risks from using installment-based payments.

6. Peace of Mind: Financial stability brings peace of mind, as you’re not constantly worried about managing payments or falling into financial traps.

These benefits highlight the importance of good financial planning and avoiding reliance on installment schemes like BNPL.