In response to money worries, some shoppers will decide to tighten their budgets and cut back on purchases they deem unnecessary. This might include cutting back on luxury items, eating out less, and shopping for more affordable items. Others, however, may opt to buy now and pay later. This may be motivated by the desire to continue buying the products they want despite financial constraints or from a strategy that allows them to make purchases now with the intent of paying for them at a later stage.