7:30 p.m. — After dinner, I sit on the couch; I just can’t stop thinking about the rug. After thinking about it, I decide it’s the right time to get it. I use my Klarna Card to plan a purchase and pay later, so I don’t have to pay in full right at this moment. Making purchases this way feels more natural, comfortable, and responsible because I feel more in control of my spending. And because I can plan a purchase that’s as big as this one, it gives me time to figure out if I actually want it (the answer in this case: Yes. Yes, I want it). $387.33 ($96.84 today)