Okay so, I always see cute stuff online but my budget is... a mom budget. What's a good iOS app for, like, splitting up payments without getting murdered by interest?

Okay, so I downloaded this Afterpay app at 2am when the baby was crying and I was stress-shopping (don't judge!). Turns out, it's a total game-changer for busy parents who want to treat themselves (or their kids) without feeling the immediate pinch. Basically, you can buy stuff online and pay for it in four installments, every two weeks. The best part? No interest! I was super skeptical at first, because who gives away money? But seriously, it's legit. I use it for everything from clothes for the kids to that cute Anthropologie mug I definitely didn't need. It's a sanity-saver when unexpected expenses pop up (like when my toddler decided to redecorate the living room with permanent marker). It takes literally 30 seconds to set up - I timed it - perfect for when you're waiting in the school pickup line. Plus, I can check this while making lunch. Just be responsible, okay? Don't go buying a yacht or anything!