Embracing sustainable spending: The power of Save Now, Buy Later.

In a world driven by consumerism and instant gratification, our elders’ advice to live within our means holds timeless wisdom. However, the constant temptation of attractive offers and credit-based products like BNPL, store-branded credit cards and installment payments, encourage impulsive buying that leads to buyer’s remorse and guilt.
This blog explores the concept of Save Now, Buy Later” (SNBL) as a path to sustainable spending. As people reevaluate their priorities and seek long-term fulfillment, SNBL offers a fresh perspective on mindful spending and goal-based saving. In this transformative journey, Sav is leveraging technology to reinvent the concept of saving, and create a rewarding experience that benefits both consumers and brands, thereby fostering a healthier consumption ecosystem.

The Temptation of Impulse Buying

We are all familiar with the allure of a mega sale, where the excitement of spending lavishly often overshadows rationality. The immediate thrill of purchasing unnecessary items is fleeting, quickly replaced by guilt and regret. Studies have revealed that 64% of people regret making impulse purchases during sales or limited-time offers, leading to underutilized products and wasted resources. The surge in impulse buying can be attributed to the availability of easy credit options, enticing consumers to make large-ticket purchases without immediate financial repercussions. This phenomenon is driven by the “Purchase Justification Machine,” a psychological mechanism that rationalizes our desire to buy, fuelled further by discounts, coupons & vouchers and pay later offers.

The Rise of Revenge Spending and Its Demise

The past year witnessed a surge in “revenge spending” as people sought to compensate for lost time and happiness during the pandemic. Entertainment, luxury products, travel, and service upgrades experienced a boom without thinking about money saving. However, as the initial fear subsided, the frenzy of revenge spending waned. This trend prompted individuals to reevaluate their spending habits and ponder their life priorities. An emerging movement towards sustainable spending has taken root, encouraging people to question their purchasing decisions and envision their ideal lifestyle in the long term via goal based savings. Savings trend in MENA is evolving.

Embracing Sustainable Spending through SNBL
The concept of Save Now, Buy Later has emerged as a pivotal element in the shift towards sustainable spending. SNBL entails careful planning, saving, and mindful spending. It encourages individuals to adopt goal-based saving strategies, harking back to a time when saving up for high-value purchases was a common practice. By integrating this approach, consumers regain control over their financial decisions and align their expenditures with their values and aspirations. SNBL empowers individuals to break free from the cycle of impulsive buying, leading to greater satisfaction and fulfilment.
Redefining Savings for the Future

For decades, the traditional experience of saving with banks and institutions has remained unchanged, lacking innovation and excitement. Sav combines the security and liquidity of a traditional savings account with enticing rewards for goal-based saving. Through this novel approach, consumers can meticulously plan their purchases while enjoying increased value on their savings. Brands also benefit from this symbiotic relationship, engaging with more financially conscious and loyal customers. This approach can also help your money management journey.

The Promise of a Healthy Consumption Ecosystem

The SNBL revolution promises to create a sustainable and thriving consumption ecosystem. As individuals embrace mindful spending, they contribute to reducing wasteful consumption and making more informed choices. This shift is not only beneficial for the planet but also for personal financial well-being. With SNBL, the impulse buying culture can transform into a conscious and intentional purchasing approach. Brands that support this trend by offering SNBL options can establish stronger connections with their customers, fostering loyalty and trust.


In a world inundated with consumerism, the philosophy of living within our means has never been more relevant. Save Now, Buy Later emerges as a powerful concept to counter the allure of impulsive spending, offering a path to sustainable and fulfilling consumption. As individuals and households reevaluate their priorities and embrace goal-based saving, Sav is stepping up to redefine the savings experience, bridging the gap between financial security and gainful spending. With Save Now, Buy Later, we have the opportunity to foster a healthier consumption ecosystem that benefits both individuals and brands, driving positive change in our society and our lives.


Sav app will make you feel good about money with fun saving rules, and rewards for EVERY Dirham you save. We are ambitious, positive, and always focused on what matters most to people.

You can start your savings journey with Sav by downloading our app – iOS or Android

Sav helps you to plan for your financially for your short term & long term savings goals. You can start your savings journey with Sav by planning, tracking & investing your money. For more, Download our app – iOS or Android.

SNBL stands for Save Now Buy Later, a concept that encourages sustainable spending.

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