<prompt> Human: If I buy a new bike for 1,200, why would I expense the whole amount in one month and kill my budget when I can capitalize and straight line the value over, say, 3 years i.e. the useful life of the bike?Any thoughts on this? I am often deferred from making these larger purchases because of the immediate negative implication on my budget.  <response>: Most people who budget do the opposite--they decide they want to buy a 1,200 bike and will budget 100 or 200 per month for bike savings until they have the cash to pay for the bike. 