There are sales galore right now, with retailers desperate to make up ground lost during lockdowns. 

And the prospect of a bargain has upwards of 500,000 New Zealanders turning to buy now, pay later schemes. 

It's doubled in the past two years. 

But there's concern over the potential consequences down the track. 

Chartered Accountants financial services leader, John Cuthbertson joined the Summer Breakfast. 

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