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guys my name is jack hoskins and welcome back to another video today were going to be talking about three reasons why you should never use a firm after pay or any of those other crazy you know point-of-sale financing companies but before we get into that make sure you smash that like button hit subscribe now lets get right into why you should never use them so weve all been there before you know youre browsing online you see something that you really want but you just cant afford it but then right under it says hey six easy payments of x or six easy payments of ninety nine dollars and you think man thats really not that bad like why shouldnt i do that you need to stop right there im gonna be telling you guys today why you should never use a firm or after pay or any of those crazy payment systems for products all right so what the heck is a firm so theyre a point of sale financing company so say you want to buy one item but you cant afford to pay for it up front thats where