“Limited Time Offer!” Is It Really?
We've all seen it—flash sales, festive discounts, 24-hour countdowns.
They scream: BUY NOW!
But often, what follows is regret, debt, and an empty bank account.
Let’s break down how to spot these traps—and how Vizzve Finance helps you outsmart them.
🧠 The Psychology Behind These Deals
Retailers use FOMO (Fear of Missing Out) to make you act fast:
🔥 “Only 2 left!”
⏳ “Ends in 4 hours!”
💯 “75% off today only!”
These are emotional triggers, not logical savings.
The result? You buy things you don’t need with money you don’t have.
🚨 Real Cost of a ‘Deal’
| Item | Sale Price | EMI (BNPL) | Real Cost w/ Interest | Worth it? |
|---|---|---|---|---|
| New phone | ₹28,000 | ₹3,500/month | ₹32,000+ | ❌ Not urgent |
| Fancy sneakers | ₹6,000 | BNPL, no savings left | ₹6,000 + overdraft charges | ❌ Impulsive |
| Online course | ₹5,000 | Paid in full | ✔️ Adds value | ✅ Smart spend |
Not all deals are bad. Just ask: “Does this purchase move me forward—or just feel good right now?”
💡 How to Escape the Trap
✅ Use the 24-Hour Rule
Wait a day. If you still want it and can afford it—buy it.
✅ Set a Wants Budget
Limit spending on non-essentials to 30% or less of your income.
✅ Use Vizzve’s Smart Alerts
We notify you if your spending crosses your budget or dips into your savings.
✅ Build a Wish List, Not a Cart
Track what you want in Vizzve, and prioritize it monthly. Avoid impulse EMIs.
💥 Quick Test: Is It Worth Buying?
Ask yourself:
Would I buy this at full price?
Will I use it 10 times or more?
Can I pay in full—no EMI?
If you said no to any, hit pause.
🧠 FAQs
Q1: Are BNPL offers really bad?
Not always. But if you’re using BNPL repeatedly without savings, it can spiral into debt.
Q2: What if the sale price is actually great?
If it’s on your planned purchase list and fits your budget—go for it.
Q3: How can I still enjoy shopping guilt-free?
Set a monthly splurge budget inside Vizzve and stick to it. Enjoy within limits.
🚀 Final Word
“A good deal is only good if it fits your goals and your wallet.”
Don’t let shiny offers derail your financial progress.
Let Vizzve Finance keep you grounded, guided, and growing—one smart decision at a time.
Published on : 8th July
Published by : SMITA
www.vizzve.com || www.vizzveservices.com
Follow us on social media: Facebook || Linkedin || Instagram
🛡 Powered by Vizzve Financial
RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.