I have been one of those people who like to buy stuff to resolve problems with the result that after all it was not necessary. There have been times when I hold on and after all the result was fine, the problem was resolved and I kept the money. 3 weeks ago I sold my quad G5 because I needed to buy a PC, I saw my numbers and I realized that spending the money on a PC was not such good idea because I had big payments to do during the month. I kept the money, bought a router for my network and with the other computers I had I basically resolved my problem. Buying the PC was the best option but because of the situation networking computers better was a choice good enough. Last year I had extra $6k and I wanted to have my old audio studio again and I bought a bunch of keyboards, the ones I always wanted. Today they are collecting dust with no use. Most of them need to be repaired. Money wasted basically and I can not sell them and get the equivalent back. So... I believe that holding on 3 times is better than having the money and spend it. Just an insight.