I'm thinking of buying [ITEM] for [PRICE]. My monthly take-home is [INCOME] and I have [SAVINGS] saved. Ask me 5 quick questions one at a time (how often I'll use it, cheaper options, etc.). Then give me a verdict: buy / wait 30 days / skip, with the cost per use and a cheaper or free alternative if there is one.
Works in the free versions of ChatGPT, Claude, Gemini and Copilot. Never paste passwords or account numbers.