@katlego_kala: Chommie, sometimes we need to accept that we simply cannot afford it right now. 😭😂 Lay-by taught us patience — you save, you pay it off, then you get the item. No future salary already spent! Let us stop normalising instant gratification and start making money decisions that actually give us peace. #KatlegoKevin #PersonalFinance #SavingMoney #Budgeting #Fyp

Katlego Kevin Kalaeamotho
Katlego Kevin Kalaeamotho
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Region: ZA
Wednesday 12 August 2026 15:29:21 GMT
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thando_m2117
Thando_M :
I’m not leaving payflex chomi sorry
2026-08-12 16:27:44
1467
babygirl90892
babygirl90892 :
Lay bye and pay flex is exactly the same thing.
2026-08-12 19:44:14
1087
lana86341
MisK🇿🇦 :
I just finished payment off my bed using lay buy ,I'm going for washing machine next
2026-08-19 08:47:02
0
lungstarm19
Sontshikazi :
I’ve bought washing machine, dishwasher, new microwave and so many things in between because of PJN— I’m going to renovate my bathroom using PJN— I can afford 5k monthly but I can’t afford 30k at one go, discipline is the name of the game!
2026-08-13 05:34:48
786
asakhe_pheshe
Asakhe🌸 :
They even introduced “Pay me now” at my workplace. You can access a portion of your salary before payday😭😭😭
2026-08-13 07:43:03
124
independentsiviwe1
Siviwe Melithafa :
I am transitioning to laybye just bought a bed with it and will close my loan and clothes account next mnth i am tired
2026-08-18 15:03:36
0
setsa.malibe
setsa Malibe :
speak for yourself we are cruising nicely with home renovations 🥰
2026-08-19 12:06:36
0
shehighness
SheHighness🇿🇦 :
I use PayJustNow & am happy, the problem is ppl overspending. It’s all about Discipline💯Credit utilization balancing is important.
2026-08-12 16:34:08
320
ririnose
Smama :
Just pay now is the best
2026-08-19 16:40:13
0
bendicion_wendy
Phathutshedzo _Wendy :
I feel like if you use Payflex with discipline it’s basically the same thing as lay-by, because you pay it off over a three month period. The only difference is that with Payflex you get the item immediately after purchase. Otherwise, there is no interest. My Chomi everything needs discipline that lay-by can even expire without discipline
2026-08-12 17:34:53
181
nicoleenphanuel
Niccy :
I thought I’m the only person who still believes in lay-buy!! No interest? Count me in!
2026-08-12 15:54:36
379
ndekahsithole
Ndekah :
This month was the first month I practiced discipline no Payflex🥺
2026-08-19 05:55:15
0
stumyzamotlh
Stumyza :
What works for you, might not work for me. ✔️
2026-08-13 05:39:15
103
miss_tee2015
Ma_Hlompho le Lesedi 💖 :
at the moment I laybuy coaches for 8 months i am sticking to it
2026-08-19 06:30:27
0
sandraroar
Sandra Rancho♀️🌕 :
I'm sorry but no ways I'm not going back to waiting 3months to wear my sneakers that I bought 3months back😭
2026-08-12 16:51:20
73
tshepo_015
Tshepo03 :
Pay flex and pay just now werr the best payment methods ever. Now we can breathe as humans
2026-08-13 03:23:48
22
perfktillusion
ᵉᵗᵉʳⁿᵃˡ ˢᵘⁿˢʰⁱⁿᵉ :
Chomy people need to practice discipline (myself included)
2026-08-12 15:50:28
43
userfriendlyfrien
Friendly friend :
But the principle is the same. The difference is that payflex/PJN you get the item now.
2026-08-12 19:29:09
21
lufusigama
Lufuno Sigama :
My wife and I have a payflex of about 1K every month to buy things for the house…it helps if you do it properly.
2026-08-12 18:25:33
14
zeesvibes
zee-cona-h :
jonga my case is sad. Im paying 45% of my salary every month. Wishlist keeps growing everymonth... house needs are getting stalled
2026-08-13 03:05:56
5
waniselwe
Wanie 💕 :
i was at checkers yesterday 😂 they now have a store card. ro ja ka skoloto 🤣🤣
2026-08-12 16:02:05
23
915sha
915SHA :
But what is the difference between lay bye Di pay flex?
2026-08-13 05:51:23
22
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