Photo: Flickr / roujo
We love a good laugh, but when it comes to our money, sometimes the jokes hit a little too close to home.The Onion clearly knew this when it published this faux press release from “financial services giant Visa” about Visa Card voice, the talking piece of plastic that encourages you to say “F— it” and go overboard with the spending:
“Whenever you’re near an item you’re hesitant to purchase, Visa Voice offers words of encouragement, such as ‘Come on, just go for it!’ and ‘Trust me—you’re not gonna regret this,'” Visa president John Partridge said of the groundbreaking new payment product, which allows users to select between a calm, supportive female voice and a morally authoritative male voice.”
This is probably what goes through consumer’s minds anyway, but that doesn’t mean you should listen. Here are some useful tips to become a conscious spender and put that “Visa voice” (or whatever you call it) on mute:
Ask yourself, “Can it wait?” If you really want something, try putting it on hold and wait a day before buying it. Chances are, you just might forget it and spend the money on something else. Also try counting to 10, says YM contributor Trent Hamm. This will help you step back and assess if the purchase is worthwhile.
Question what’s driving the purchase. Emotional spending will not fill your needs, though it’s easy to fall into the trap of believing a pair of strappy Louboutins could cure the void you’ve been feeling after your boyfriend just dumped you. Trust us, you’ll feel even lousier when the credit bill rolls in.
Determine whether you’re getting the best deal. If you can find a better deal, hold off on the purchase. Sometimes all it takes is a simple Google search online or taking a page from YM reporter Mandi Woodruff’s book and browsing deal sites like CouponSherpa.com and RetailMeNot.com.
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