Your brain prefers ‘now’ over ‘later’
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/181f14d5-5b2d-41a8-b83d-902fd70bd151/Devices-Stop_Watch_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/1a6f106eb84072c2/original/Devices-Stop_Watch_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"This was shown by research. That new jumper or cool gadget you want right now feels more important than that future goal. Especially if that goal still seems far away. “I’ll top it up next month,” you think. But next month, there’s something else you want right now. So short-term often wins over long-term.
"}}]},{"title":{"value":"Shopping is emotional
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/b79c098c-b867-4d41-aecc-3c7a962c134d/Feedback-Smiley_Happy_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6fe3e3993e9c6edf/original/Feedback-Smiley_Happy_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"You’ve had a bad day and treat yourself to something nice. You’re out and think, “Oh, why not? It’s fun!” You’ve worked hard and think, “I deserve this.” Many purchases are driven by feelings. We reward ourselves. Later, you regret it, but by then it’s too late.
"}}]},{"title":{"value":"It is easy
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/5088d817-3e5e-4106-866e-bc520fbd75fc/Feedback-Thumbs_Up_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/7a2e6a3256ab6223/original/Feedback-Thumbs_Up_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Transferring money is quick and simple. With one click, you move money from your savings pot to your current account. No second thoughts. It takes 10 seconds, and no one asks, “Are you sure about that?”
"}}]},{"title":{"value":"Social pressure
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/d4643352-8a42-47b5-9bf4-dd1fec91d8f2/Persons-3_Persons_Outline","type":"image","width":32,"original":"https://assets.ing.com/m/789bf05c8ec71363/original/Persons-3_Persons_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"We’re influenced by what others do. See friends or influencers using certain products or promoting trends? You often want them too, just like everyone else.
"}}]},{"title":{"value":"You're tempted all day long
"},"icon":{"transformBaseUrl":"https://assets.ing.com/transform/3539f2cc-94ed-4524-9c11-1eaf4cd4e511/Feedback-Smiley_In_Love_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/505d853e19d6f516/original/Feedback-Smiley_In_Love_Outline.svg","extension":"svg"},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Stores are designed to encourage impulse buys. Ads are everywhere. Social media is full of influencers promoting products. Online shopping is easier than ever, especially with “buy now, pay later” options. We’re bombarded with tricks to make us buy and resisting it can be tough.
"}}]}]},{"componentType":"sectionTitle","title":"The solution: A Savings Lock"},{"componentType":"paragraph","richBody":{"value":"What is a Savings Lock?
With a Savings Lock, you temporarily lock your Savings Goal. You can always add money towards your goal, but withdrawing isn’t always possible.
Want access to your savings? Remove the Savings Lock and wait 2 or 4 hours. You choose in advance how long the lock lasts. This gives you time to think and stay on track.
For emergencies, one savings goal always remains unlocked. So you can access that anytime.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/94261e2b-5ffc-49f7-90e5-de0c63ac1b76/Circle-Closed-lock-4","original":"https://assets.ing.com/m/2822074537bd462/original/Circle-Closed-lock-4.svg","extension":"svg"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/content/personal/products/savings/savings-lock?EW=true","text":"Try out Savings Lock"}},{"componentType":"paragraph","richBody":{"value":"About to buy something you didn’t plan? Pause and think about how your brain works. What’s causing the temptation? Sometimes that’s enough to realize you don’t really need it.
And try out the Savings Lock to temporary protect yourself!
"}}]}}}