Luca Caruana

51 posts
Luca Caruana is a Certified Money Coach (CMC®). He empowers people to achieve financial goals and transforms big dreams into reality. For Sunday Circle magazine he focuses on the practical aspect of personal finances, giving useful tips to build your wealth and enhance your relationship with money.
BFPL on a phone
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Spend now, save later?

Unpacking the seductive Buy Now Pay Later trend that entices many of us to make more, bigger and/or more expensive purchases we perhaps can't afford