Do not use a payment plan when you order a burrito. Seriously.

Getty Images; Jenny Chang-Rodriguez/BI

Look, to put it plainly: You almost certainly shouldn't buy a delivery burrito using a buy now, pay later plan. I know it may be tempting. It's burrito season, getting out of the house can be hard, and having stuff you do not need dropped on your doorstep is a fun tiny luxury of our tech-enabled world. But if you're considering using a Klarna financing plan to DoorDash your Chipotle order, maybe take a beat.

With all the DoorDash fees, plus the tip ...