Sounds just like gambling.
Well I'll give you the first rule of gambling for novices and you better follow it.
Gamble only the amount you are prepared to lose.
If you spend your money now which your sensible head says no you might most probably regret it later. You have time on your side so arrange some money and bide your time and the opportunity might just come along quicker than you expect.
You're absolutely right, there is a gambling feel to this lust for buying all things Apple. A few years back a member of my family had a gambling problem and my memories of his 'excuses' for his excesses remind me of all the reasons I'm coming up with to justify yet another purchase.
I bought my first Mac a few weeks back (ie an iMac) and I love it
so much I find myself loitering in the Apple online store most days looking for another product to buy.
I'm guessing I'm not alone in this - actually, I've seen a few YouTube videos by guys who have their rooms stuffed with computer stuff (mainly Apple). A lot of their gear hasn't even been taken out of its packaging, weeks/months later, it was like the thrill was in the 'buying', but they actually had no need at all for the product.
Any way, I'm a bit embarrassed now to admit that I ordered the iPod Touch, even though I have
no need for it, only a craving for it.

It was a crazy purchase, and I did spend the next 24 hours asking
'what have I done?', but I've done it, there's no going back, it won't bankrupt me (despite my fretting in the original post) and I'm really looking forward to using it. The key thing, though, is to stop right here and not buy more stuff than I don't
need, otherwise I
will end up in financial grief.