Most budget apps live in another screen or on another device entirely. Earnie helps its users by seamlessly integrating with how we shop online and focuses on the critical decision point in the online shopping experience.

We know that our “unconscious brain” is responsible for most of our impulsive decisions. Earnie leverages the same tactics that effective marketers use but flips the script to help users avoid needless spending.

The reward system of our brain is activated when we buy things, much like other impulse decisions. When we shop online the reward system in our brain lights up, giving people a temporary sense of satisfaction that can even be addictive at times. Earnie leverages the positive psychology to create a similar reward response from avoiding needless spending.