This is how I get all of my supplies from the hardware store without having to buy everything up front
I learned recently about buy-now, pay-later services. There’s one in particular that allows you to earn points that go on your credit score. After you’ve successfully completed one of their six-week, four-payment purchases, you can apply to be in their credit program. My credit was ruined when I lost my home right out of college and had to float myself along in motel rooms and homeless shelters for a few years. I had to max-out my credit cards and three of them got written-off and are big red blotches on my credit report. But with this new buy-now, pay-later service I have already increased my credit score by 100 points in only 6 months. It’s really convenient now that one of the biggest retail companies in this country is accepting this payment service. I learned how to utilize this service at other businesses that aren’t affiliated. All I have to do is use the buy-now, pay-later service at the major retailer I mentioned and simply purchase gift cards to other stores, restaurants, gas stations, and retailers. This is how I get all of my supplies from the hardware store without having to buy everything up front. I get my special allergen HVAC filters from the hardware store and try to get more than one at a time if I’m putting it on the buy-now, pay-later service. Recently I bought sheets of activated charcoal pre-filter to add to my existing a/c filter. They not only block out dust and lengthen the life of the a/c filter, but they absorb odors too!