It's the most wonderful time of the year... that's right, Black Friday is nearly upon us.
If you're the kind of person that keeps an ever-growing wish list of the latest clothes, tech and homeware accessories that always seem to be just slightly out of your reach, Black Friday is your time to shine.
However, even with the help of retailers slashing their prices in the name of this joyous occasion, with a wish list as long as ours we're often still left a little short on funds. This year, however, we're feeling much more optimistic about our chances of nabbing everything we want thanks to the existence of a new buy now, pay later platform called humm.
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If you're not familiar, humm allows you to purchase items in an instant and then pay back the cost in either bi-weekly or monthly instalments.
Not a mind-blowingly new concept you might be thinking but the key difference between this and other buy now, pay later platforms is that with humm you can spend up to €500 completely interest free - meaning you don't have to worry about suppressing that niggling anxiety that your purchase of a new camera six months ago might be ruining your chances of ever moving out of home.
To get started, you simply apply for the total sum you think you'll need via the official website here and, once approved, get shopping. Needless to say you need to be over 18 to use humm and you will need to provide photo ID in order to apply for funds.
Now for the fun part. With your humm funds now approved, it's time to get shopping - or humming as they say - in any of humm's huge range of retail partners.
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You'll find you're absolutely spoiled for choice of places to shop with your humm funds. If you're a tech-head, you can shop the latest gadgets from stores like D.I.D. Electrical, DJBox, Samsung and Harvey Norman.
Or perhaps you're one of those uber-prepared people who use Black Friday to get all of their Christmas shopping complete in advance? Treat your mum to the Christmas gift she deserves such as an exquisite piece of jewellery from jewellers like Weir & Sons, LilyWho or Fields.
If your mum, or dad, is more into their clothes than their bling, there's also a number of fashion retailers on board including Pamela Scott, Designer Exchange, D.T. One Menswear and Benetton.
And it's not just products you can buy - there's also a whole array of services and experiences you can pay for using humm, such as dental work, heating and plumbing repairs, cosmetic treatments, gym memberships - even medical procedures!
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With Black Friday just around the corner, it sounds like it's time to start carefully budgeting - this year with a little added help from humm!
Terms & Conditions apply. Subject to credit assessment and minimum lending criteria. Finance provided by FlexiFi Europe Ltd. For more info see shophumm.com/ie
Topics: Ireland