When Brooke Haebich and her partner had their first child they struggled to afford groceries, but initially they thought they had found a lifeline in Afterpay.
They began buying $200 gift cards for Woolworths or Coles on the buy now, pay later scheme, and would then pay off the amount in four fortnightly instalments of $50. But after a while, paying for essentials by going into debt was like being stuck in a revolving door, Haebich says.