Salary hasn't come yet, how to not miss the sale season?

End-of-month promotions are always attractive, but often fall at a time when budgets are tight and salaries have not yet been credited to the account. The concern of "should I buy now or wait for my salary?" causes many consumers to miss out on regrettable bargains.

So how can you confidently "hunt" for sales while also effectively managing your personal finances?

Illustration photo: Businesstimes/Vietnamese Women

The Vietnamese retail market is increasingly vibrant with a series of super sales taking place almost all year round: from summer sales, black friday, year-end shopping festivals to consecutive double sale days on e-commerce platforms. This is a "golden" opportunity for shopping enthusiasts to own quality products at good prices.

However, the irony is that these "huge" sales often do not coincide with payday. Missing out on a new phone at a deep discount, a favorite outfit at half price, or essential household items on sale just because "the paycheck hasn't come in" is truly regrettable. Many people have to sadly watch their desired items "sold out" or return to their original price, telling themselves "I'll try harder next time".

Mr. Quang Minh (28 years old, marketing staff in Hanoi ) shared: "I am a fan of online shopping. Whenever there is a big sale on e-commerce platforms, I sit up all night. Many items in my shopping cart are deeply discounted, but unfortunately they all fall in the middle or the beginning of the month, and my salary is only received on the 5th. Seeing the item I like out of stock or on promotion makes me feel regretful."

Minh's story is not uncommon. The mentality of waiting for salary makes many consumers miss out on attractive discount programs, especially "hot deals" that are often limited in quantity or only last for a short time. Borrowing from friends and relatives to shop is sometimes inconvenient, or worse, finding unorthodox credit solutions with high interest rates and many potential risks.

KBank Cashback Plus Credit Card: More than just "spend now, pay later"

Credit cards are essentially a financial tool that allows users to "spend first, pay later" within a certain limit. However, if they stop there, many people are still afraid of overspending and interest burden. The difference of new generation credit cards like KBank Cashback Plus lies in the integration of attractive incentive programs, especially the outstanding cashback mechanism, helping users not only spend flexibly but also optimize financial benefits.

Developed by KASIKORNBANK (KBank) - a leading financial institution in Thailand with an increasingly strong presence in Vietnam, the KBank Cashback Plus card is designed with the motto "Always get cashback - From early morning to late night", aiming to simplify and optimize daily spending experiences.

Instead of complicated loyalty programs, the card offers a direct, clear and attractive cashback mechanism in many popular spending areas: online shopping, supermarkets, dining, travel , entertainment, beauty... with a 10% cashback, up to 1 million VND. In particular, if you plan to travel or shop in Thailand, a cashback of up to 15% for all spending here is an advantage that cannot be ignored.

For high-value products purchased during the sale season, having to pay in full immediately can put pressure on personal cash flow. Understanding that, KBank Cashback Plus offers flexible installment solutions with 0% interest, 3-month terms for transactions from 2 million VND or more, and completely free installment conversion.

Shop with confidence, manage spending effectively

In the digital age, owning a smart credit card like KBank Cashback Plus is no longer a luxury but has become a powerful financial tool, especially for those who love shopping and want to manage their spending effectively. Don't let "not having a salary yet" prevent you from enjoying the attractive promotions of the sale season. KBank Cashback Plus hopes to be a reliable companion, helping you confidently "hunt" for every good deal, shop smarter and save more.

Find out more details and register to open a KBank Cashback Plus card here.

Phuong Dung

Source: https://vietnamnet.vn/luong-chua-ve-lam-sao-de-khong-bo-lo-mua-sale-2396959.html