Before You Buy, Ask Yourself 3 Questions

Big purchases can be exciting, like a new car, a home renovation, or that dream trip. But they can also become stressful if they’re not well planned.

Before you take out your card, pause for a moment. These three simple questions can help you make smart, intentional decisions with your money and avoid financial regret later.

1. Do I really need it?
Ask yourself if this is something you truly need or just something you want.
If it solves a real problem or adds lasting value, it’s probably a need.
If it’s more about comfort, impulse, or a trend, take a step back.

Tip: Wait 48 hours before buying. If you still want it after two days, it’s likely worth considering.

2. Does this purchase match my priorities and values?
Every dollar you spend says something about what’s important to you.
If stability matters most, building your emergency fund might come first.
If your goal is to travel more, think about whether this expense moves you closer or further away from that dream.

Tip: Write down your top three financial priorities. Before any big purchase, check if it supports those goals.

3. Can I afford it without putting my finances at risk?
Just because you can pay for something doesn’t always mean you should.
Make sure the purchase fits within your budget without hurting your savings or forcing you to rely on credit.
If you need to use a credit card and don’t have a clear plan to pay it off, that’s a red flag.

Tip: Try the 50/30/20 rule.

50% for essentials

30% for personal wants

20% for savings and debt repayment

These three questions act as a quick filter. They help you spend with purpose, protect your peace of mind, and make choices that truly support your goals.

Remember, a good purchase should add value to your life, not stress.

If you’d like to create a clear financial plan that matches your lifestyle and priorities, we can help you every step of the way.