4:30 p.m. – If I want to make it to the next day, I need some food in my house, so we head to the grocery store where I buy ingredients for a few recipes I have on mind, as well as a small bouquet of flowers to brighten up my home. To be completely honest, grocery shopping is an adult task that I’m still getting used to. The total amount is a lot but I justify it because it is cheaper than eating out. And with my Klarna card I can easily track how much I spend in the app. And the beauty of this card – and how it differs from other cards – is that I can use it in two ways: as a regular debit card anywhere that accepts Visa or virtual payments (i.e. practically anywhere), and as a way to plan a large purchase and pay later.