As the chill of winter envelopes us and holiday lights twinkle enticingly from storefronts, the allure of shopping for the perfect gifts is undeniable. However, in recent years, a modern twist in consumerism has emerged with "Buy Now, Pay Later" (BNPL) services like Klarna, Affirm, and others, leading to a new set of financial pitfalls. While these services may seem like the perfect solution to make holiday dreams come true, they can ultimately transform a season of joy into one of regret and financial strain.