<prompt> Human: Hello,I am considering to buy something pretty expensive that I would have to pay by instalments. The thing is, I dont REALLY need it. I could buy a less fancy item, it would achieve the same goals, but I just really prefer the expensive one.So I am wondering : when do you allow yourself this kind of personal pleasure, if you ever do it ?  <response>: Dont pay for wants with loans.If you have the cash in hand and are meeting your other obligations including any savings goals, then by all means allow yourself that unnecessary expense. That is what saving is for - to achieve your goals, even for pretty things.But you dont finance luxuries. 