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Some shoppers facing financial stress may choose to tighten their budgets and limit their spending to only essential items. They may look for bargains, shop around for the best prices, or seek out discounts. Others may choose to purchase items they don’t need with the intent of using buy-now, pay-later schemes such as layaway or payment plans. Seeking out credit can be risky and could lead to further financial difficulties if payments are not made in a timely manner.