The Australian Women's Weekly - - Money -

This ser­vice is avail­able in many stores and al­lows you to spread pay­ments for an item over four equal fort­nightly pay­ments, start­ing when you buy an item. When you sign up you nom­i­nate a debit or credit card that will be charged the pay­ments and you need to make sure there are al­ways suf­fi­cient funds avail­able to meet these when they fall due. Used wisely it can help with bud­get­ing for gifts. If not, it can cost you up to 25 per cent of the cost of the goods in late penal­ties.

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