Bring every plan together
Gather provider apps, order confirmations, statements and payment schedules. Use one row for each purchase.
Free Week 21 guide
Small payments.
Big commitments.
Buy Now, Pay Later: The 30-Day Payment Guide
Put every active plan in one place. See what you still owe, what falls due soon and whether your payment dates fit your cash flow.
- A worked example with three active plans
- Printable BNPL debt map
- 30-day budget and payment calendar
- Returns and refund checklist
100% free6-page PDFSources included
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Start with the full obligation
Four payments of €50.
A €200 purchase.
Splitting the payment changes the schedule. It does not reduce the purchase price. If one €50 instalment is already paid, the remaining obligation is €150 before any fees or interest.
Keep three numbers separate: the original purchase, the remaining balance and the amount due within the next 30 days. Upcoming instalments are already part of the remaining balance; do not add them twice.
- 01Provider and purchase
Use one row per purchase, including several purchases with the same provider.
- 02Original purchase total
Record the agreed purchase amount separately from what remains unpaid.
- 03Instalment amount
Use the actual schedule when payments vary, including any larger final payment.
- 04Payments remaining
Count unpaid instalments and record any overdue amounts.
- 05Next due date
Check the date against when income actually clears your account.
- 06Remaining scheduled total
Add every remaining payment. Record fees or interest separately only if they are not already included.
Worked example · illustrative
€350 still owed.
€150 due soon.
At a fictional snapshot on 26 October 2026, three active plans have €350 of remaining scheduled payments. Only €150 falls due in the next 30 days, from 26 October to 24 November inclusive. The remaining €200 is due later. Assume no interest, fees or additional purchases.
| Plan / purchase | Original | Paid | Still due | Next payment |
|---|---|---|---|---|
| A · Jacket | €200 | €50 | €150 | €50 · 28 October |
| B · Headphones | €240 | €120 | €120 | €60 · 4 November |
| C · Shoes | €120 | €40 | €80 | €40 · 11 November |
Check the month and the day
Add upcoming instalments, essential costs and other commitments. Then check the running balance on each due date.
Track refunds until confirmed
Keep return proof and ask the provider whether payments are paused. A dispatched return does not automatically clear a balance.
Payday can arrive too late.
Illustrative: €80 available today minus €50 for essentials before payday minus a €50 instalment equals a €20 shortfall. A salary arriving after the payment date does not cover that earlier debit.
Your next action
Record every active plan, total the next 30 days and check your earliest due date. If a payment competes with essentials, contact the provider before it is due and seek independent local debt advice.
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