The way people respond to money worries is highly individual. Some people may become more budget conscious and restrict their spending in order to save more in times of financial insecurity. They might focus on the essentials and postpone luxuries or non-essential items. Others might buy now, pay later in order to take advantage of offers for deferred payment. This could be driven by the desire to access something they need immediately, or by a feeling of safety in knowing that the payment can be spread across several months.