Luckily, there are a few hacks you can use to manage your spike in spending. One of them is taking advantage of monthly payments, a surprisingly easy option provided by Affirm on a host of your favorite retailers' sites, including Moda Operandi, Rag & Bone, and The RealReal — plus virtually everywhere you love to shop via the Affirm app . If you're unfamiliar with Affirm, this is how it works: You can pay for your items via flexible monthly installments, with some APRs as low as 0%.