[Ntrails]

There are a bunch of apps that help you spend money more efficiently - but I always feel they're in the lower % of effective saving, and the real answer is 'choose not to buy that thing'.

So my question is - are you looking to help people buy thing x more efficiently (and I'm not sure there's a lot of unment need there), or to help people not spend at all (in which case monetisation becomes contrary to the goal of the app).

[alexhawdon]

Okay, so a Chrome Extension that interrupts the user at the checkout stage when buying luxury items?

The interruption could range from a simple nag screen, to an enforced cooling-off period before you can proceed with the purchase. Perhaps in the future the user could opt to move the money from their current account into a savings account instead of making the purchase.

Or maybe not even let them purchase at all so you have to use your smartphone to buy anything online. PITA; makes you think twice.

[shabble]

If there would be a realistic way to reliably identify 'luxury' purchases, you could just have a really infuriating interstitial that:

* displayed the amount of money in a personally relatable manner - "ShineyTron300 costs the same amount as your last 2 months of food expenses, are you sure? (y/N)

* make it easy to cancel/stash or defer the purchase, including as you suggest, an enforced time delay before re-prompting

* make it hard to complete (require several captchas, solve a maths puzzle, or complete a couple of levels of Duolingo or something) before letting you through.

* Enforcing a personal 'luxury sales tax' that padded the total amount of some %, and transferred that amount to savings if you complete teh purchase.

Basically, go hunting for dark patterns, and use them against yourself.

I'm not sure how far you could go without it just being too annoying and disabling/bypassing it though.