4:30 p.m. — If I want to make it to the next day, I’m going to need some food in my house, so off to the grocery store we go, where I buy ingredients for a few recipes I have in mind, plus a little bouquet of flowers to brighten my home. To be completely honest, grocery shopping is an adulting task that I’m still getting used to. The total amount is a lot, but I justify it because it’ll be cheaper than eating out. And by using my Klarna Card, I can easily track how much I’m spending in the app. And the beauty of this card — and how it differs from other cards — is that I can use it two ways: as a regular debit card wherever Visa or virtual payments are accepted (so, pretty much everywhere) and as a way to plan for a bigger purchase and pay later.