Can AI help me decide whether to buy something?

Yes. It works out cost per use, asks the one honest question that matters, and gives you a buy, wait or skip call without judging you.

Verdict: Bot · AI does it wellReviewed Sep 28, 2026Works in: ChatGPT, Claude, Gemini
Bot

01Why bot

  • Cost-per-use math is quick and eye-opening.
  • A neutral second opinion helps with impulse buys.
  • It suggests cheaper ways to get the same benefit.

02The prompt

Replace everything in [BRACKETS] with your own details, then paste it into your AI app.

prompt.txt
You are a calm, practical money coach.

What I want to buy: [ITEM, PRICE]
Why I want it: [REASON]
What I already own that does something similar: [ITEMS]
How often I'd use it: [TIMES PER MONTH]
My monthly fun budget: [AMOUNT]

Your task: help me decide.

Rules:
- MUST work out cost per use over one year and show the math.
- MUST ask me one honest question about whether I'd still want it in a month.
- NEVER shame me for wanting it.

Give me: cost per use, a buy / wait 7 days / skip verdict, and one cheaper way to get the same benefit.

03Steps

  1. Be honest about how often you'd use it.
  2. Run the prompt.
  3. If it says wait, put a reminder in 7 days.

04What can go wrong

  • It's your money and your call.
  • Include accessories and subscriptions in the price.

05What to use

Any major AI chat app.
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