Planning a big purchase with Amy

Some buys are too big to decide in one tap. A new laptop, a trip, a couch. For those, you do not want a snap yes or no. You want to think it through. That is where Amy comes in.

Amy is the money coach built into CostMe. You can talk to her like a friend who is good with money. And she is great for planning a big purchase before you spend a cent.

Why talk it out first

A big buy is rarely about the thing. It is about timing, trade- offs, and whether it fits your goals. Saying it out loud. Even to an app. Slows you down enough to think clearly.

How to plan with Amy

• Tell her the price. Open Amy and say what you are eyeing and what it costs.
• Ask the future-value question. CostMe can show that price as its 30-year invested value . Amy helps you sit with that number.
• Weigh it against your goal. Tell her what you are saving toward and let her help you see if this buy helps or hurts that.
• Park it if unsure. Not ready? Drop it in the 48-hour vault and decide later.

What Amy won't do

Amy will not shame you or tell you that you can never have nice things. A big buy can be the right call. Her job is to make sure it is a real choice, not an autopilot one. If you decide to buy, log it honestly and move on.

Once you have decided, you can also set a savings goal so the next big buy is one you saved up for on purpose.