The Conservatives have launched an anti-debt campaign which asks young people to "ignore the tosser in you" and reduce unnecessary spending.
Visitors to the site are warned to ignore their 'inner tosser'
A website includes sections such as the "tosser test", "tosser map" and "look what my tosser did".
A party spokesman said "provocative language" was needed to "help get the message of personal debt across".
Visitors to the sort-it.co.uk site are asked to give details of their own over-spending and debt.
One confesses to taking London taxis home, even though they own a travel pass, while another writes of how her "heart was racing" when she bought a designer handbag.
One contributor reminisces: "I was really drunk, and bought two bottles of Cristal on my credit card to show off. Cost me like £200. Soooo stupid..."
The site shows that the highest proportions of "tossers" - or over-spenders - are in Northern Ireland and eastern England.
It offers a monthly cash planner and information on agencies which help with controlling debt.
An accompanying online video features an American character in an ill-fitting turquoise suit and pink shirt encouraging people to buy clothes and cars.
It warns that "inside all of us lurks a conniving, dirty little parasite" urging people to "spend, spend, spend".
A Conservative spokesman said: "Sometimes it's necessary to use provocative language to grab people's attention and get them thinking about important issues.
"If our direct approach helps get the message of personal debt across and offers people some tips on how to manage their situation the initiative will have been well worthwhile."
In a piece for the Guardian, Tory leader David Cameron said: "These are new approaches for a new age, but ones that will continue to demonstrate the Conservatives' commitment to confronting the problems our society faces today.
"There is an old Chinese proverb: 'Tell me and I will forget. Show me, and I will remember.'
"Right now, the Conservatives are doing a little less of the telling, and a lot more of the showing."