SHOULDIWORKTODAY.COM
Thinking about buying something but not sure if it’s the right move? This spending filter is here to help you slow down and decide with confidence. Whether it’s something big or small, we’ll guide you through a few quick questions so you can choose what’s best for you—buy it now, save for later, or skip it altogether. It only takes a minute, and your wallet (and future self) might thank you!
📌 Note: This tool is for personal reflection only and doesn’t provide financial advice. For more detailed guidance, talk to a trusted friend, mentor, or financial advisor who knows your unique situation.
We've all been there—standing in a store aisle or scrolling online, wondering, "Should I get this now, wait for later, or skip it altogether?" The answer isn't always simple, but with a little guidance and a pinch of patience, you can make decisions you'll actually feel good about.
Whether you're eyeing the latest gadget, a cute pair of shoes, or something that might be a great deal, it's worth pressing pause for just a minute and asking a few important questions.
Some prices look like bargains, but they're really just marketing tricks. Use a price-tracking website or browser extension to check the price history. If it's only a few dollars off or has been cheaper recently, waiting might be smarter.
Needs are things that truly help your everyday life. Wants? Well, those are usually exciting in the moment... until they end up forgotten in the back of a closet. If it's a want, try waiting a few days. You might be surprised how fast that "must-have" feeling fades.
If buying this means dipping into money set aside for bills or savings, it's probably best to skip it—or plan to buy it later when the timing's better. No item is worth stressing over your finances.
It feels amazing to get something new right away, but sometimes that quick high doesn't last. That's instant gratification—and it can lead to regret. Delayed gratification, on the other hand, means waiting until the time is right. It might not feel exciting in the moment, but it often leads to smarter, more meaningful purchases—and more peace of mind.
Pro tip: If you're unsure, wait 24 to 48 hours. Give your brain and budget some breathing room. If you still want it after that, revisit the idea.
You work hard for your money—make it count. There's power in hitting pause, doing a little research, and thinking about what's truly worth your time, energy, and wallet. Whether you buy it now, buy it later, or skip it entirely, you're in charge of the decision. And that's something to feel good about.