Do you have a debt? As for me, it depends on whether I open the payment app or not. If I open it and see notifications that require me to pay back my debts on a certain date every month, I immediately feel stressed. When I quit the app, the world becomes quiet again, then I definitely open shopping apps and do some shopping by instalments. If I keep my life in a rut without planning for additional expenses, then the lovely and kind app will remind me to only return a little amount of money to pay back my debt. If I have a tight budget, the app will tell me that I can reset the payment deadline, I just need to pay some interests. It sounds really perfect, but the debt is like a snowball, it gets bigger. Eventually, I must learn something from ostriches who put their heads in the sand when they are hunted. The lovely app which helped me a lot just like a hunter at that moment. The only thing I can do is forget the debt and keep shopping online. I finally become the person from the story I read when I was a kid. In that story, the person covered his ears to steal the bell hanging from the gate of another family. I laughed at that person.