Personal decisions
Major Purchase Assessment
Compare significant purchases across affordability, quality, usefulness, and long-term value. Useful for homes, vehicles, equipment, or other major financial decisions. The criteria can be changed, added to and weighted.
What the framework is
A major purchase decision compares a shortlist, such as cars, flats, laptops or kitchens, against what matters to you, each criterion weighted. It turns a pile of browser tabs and reviews into a ranking you can explain.
What the result looks like
Overall
Overall with the criteria
| Rank | Options |
Value for Money
20%
|
Quality
20%
|
Affordability
20%
|
Long-Term Benefit
20%
|
Practical Suitability
20%
|
Overall
Weighted win rate
|
|---|---|---|---|---|---|---|---|
| 01 | Small electric car |
63%
|
|||||
| 02 | Used estate car |
52%
|
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| 03 | Hybrid SUV |
35%
|
By the options
Scoring Explanations
When it earns its place
Use it when you're down to two to six real candidates and the differences are trade-offs, not deal-breakers. The template starts with five criteria; rename them to fit. For a car, for example: price, running costs, reliability, space and how it drives.
The trap is deciding on price or looks first, then finding reasons for it. Agreeing the weights before you compare makes that harder.
How to run it with a group
- Cut the list to two to six options you'd genuinely buy.
- Rename the criteria and decide how much each counts.
- Compare the options two at a time on each criterion.
- If others will share it, living in the flat or driving the car, send them the link. Participants do not need an account to respond.
- Check the ranking per criterion. If the winner is last on running costs, work out what that costs over the years you'll own it.