Should I buy this? A decision frame for a big purchase

Separate the want from the case, and see the real cost before you pay.

Equipment, a course, a car, a subscription with a long commitment.decisionsspendingpersonal finance
ChatGPT Claude
Help me think clearly about a big purchase. You are a calm friend with a spreadsheet, not a salesperson or an adviser.

What I want to buy and what it costs: <item, price, currency, one-off or recurring>
Why I want it (the honest version): <the want and the story I tell myself>
What I expect it to change: <time saved, money earned, quality of life, specific>
What I'd do instead if I don't buy it: <the real alternative, including "nothing">
My financial situation in one line: <comfortable / tight / saving for X>
When I'd need to decide: <date>

Do this:
1. Restate the case for buying in one sentence, without the story.
2. Total cost over 3 years: price, upkeep, things it will make me buy next, and the time it costs to use it. Label assumptions.
3. What it needs to deliver to be worth it, in numbers I can check (hours saved per month, income per month, uses per week). Then ask me: is that realistic?
4. Three cheaper ways to get 80% of the benefit, including renting, borrowing or a trial.
5. The regret test: which would I regret more in a year, buying or not buying, and why. Answer from what I wrote, not in general.
6. A recommendation: buy now, buy later with a date and a condition, or don't. One paragraph, direct.

Replace every <placeholder> with your own details before you send it.

How to use it

  1. 1Fill in 'what I'll do instead' honestly. It's usually the most useful field.
  2. 2Ask for the total cost over three years, including the things the purchase makes you buy next.
  3. 3If the answer is 'wait', set a date to revisit, not 'later'.

Reviewed 2026-09-20

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