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Are you making sustainable fashion cheaper?

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While BNPL makes products more accessible, it also makes credit more accessible. For this reason, they have been described as predatory, especially since Generation Z are their first users.

“Because [BNPL] It’s very accessible and easy, and it’s very easy to catch people. If they miss a payment, that’s where it all starts to get incredibly expensive, says Olga Miller, co-founder of financial wellness platform Smart Purse. “What we’ve seen happen is people embark on several BNPL schemes and then start to struggle with regulating it all. They get into a bit of a vicious cycle of getting caught up in these schemes after spending way more than they can afford, and then it gets them into a downward spiral. Full debt collection, negative credit score, all of these effects.”

However, Miler believes that BNPL can be a better useful financial tool than short-term credit or an overdraft, as long as you manage it responsibly. “The premiums have to fit within the exact time frame of your budget, otherwise don’t,” she says. (Miler also states that you should make the effort to read the fine print and understand the terms of the financial commitment you’re making.) As a relatively new form of credit, BNPL schemes remain interest-free by charging the brand or retailer rather than the customer, which means It is a cheaper option than many alternatives. But because of the way they’re built into payments, it’s also easier to forget or ignore that you’re entering into a financial commitment.

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Fashion

Hailey Bieber uses this £3 lip liner in her glossy makeup routine

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Some celebrities take to TikTok like a duck to water. Others, not so much. Hailey Bieber, née Baldwin, very much lives in the former category. Regularly on the app, Bieber shares snaps of her behind-the-scenes life — from red carpet ‘fitting’ to breakfast recipes, her days as the founder and face of Rhode Skin, and, of course, Make-up and skin care procedures.

Earlier this year, Bieber shared her recipe for “glossy muffin skin,” the plump, dewy skincare trend that’s become stratospherically popular. A simple routine, focused on multi-purpose products (like this one Apricot lip, cheek and eye balm), shiny Highlighter And full and thin eyebrows. This week, she just dropped something new: her glowy makeup routine.

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Alexandra Daddario is still living her ‘white lotus’ best life in nude vacation photos – see the photos

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Alexandra Daddario posted some fuzzy snaps on Instagram to share her year-end vacation in paradise and so do I jealous.

in the pictures that white lotus The actor shared on Dec. 28, Daddario She is photographed with her back to the camera as she captures the lush view from an infinity pool. The scenery is idyllic and Daddario naturally embraced it, so why wear a bathing suit when you can take a skinny dip in the tropics? the Baywatch The star isn’t afraid of a little nudity and she proved it by stripping off her skin for a few raunchy shots on the ‘Gram. Oh, and she’s still rocking Bob’s Shake She first appeared while she was dressed Sheer nude dress for the 2022 Emmy Awards.

“Take a break from your troubles, Bob.” Comment pictures In honor of the 1991 movie What about bob? Judging by the point of view, it is in the right place. Although Daddario withholds everything from Mother Nature, the photographer carefully places his thumb to cover any small parts is very Instagram detection.

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Alexandra Daddario is supposedly vacationing with her new husband, Andrew Form. The pair tied the knot in June this year after Meeting in New York during COVID. They were engaged by the end of 2021.

Although he rarely appears on her Instagram feed, Form posts photos almost exclusively of his wife, often gushing in the captions and making us all swoon. In July, Form celebrates with Daddario 2022 Emmy Nomination With sweet regards. “I’ve smiled since the day I met you” Comment the photo of his smiling partner. “Today my face really hurts. I’m so proud of you! You’re going to the Emmys!!”



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Vivienne Westwood, legendary designer and activist, passed

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Mrs. Vivienne Westwood She died “peacefully and surrounded by her family” on Thursday at the age of 81 in Clapham, south London, according to a statement from her label. Twitter.

Westwood was a legendary pioneer of womenswear and was considered one of the pioneers punk Fashion movement in the late 70’s. Until her last day, Westwood served as the chief designer of her namesake label.

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