I have a friend who always try to pay with post dated checks for amounts that are above 10,000 pesos (around $200). Her check is 30 days after so that means she will be using the bought item for 30 days before the payment takes effect. It's a Neat trick that she applies and fortunately most of her purchases are like that. I'm now thinking if that trick can also work for me. But my husband cautioned me because I work in a bank and that might not be a good practice for me.