Approval = something that can be used against you at some point in the future.

WRONG - is it OK if I spend $1,000 on a single bicycle wheel? It is a really nice wheel!

WRONG - Well, the bicycle was here first!

CORRECT - No that is not a new wheel on my bicycle. It is the same one that has always been there.

CORRECT - yea that is a new wheel. One of my friends bought the wrong wheel, so I traded him my old wheel for this one since I am such a nice guy. (try to NOT laugh - laughing is bad).

No matter what - stick to the original story. Changing even a minor detail can be deadly.

pay with ca$h so there is no credit card trail. For best results (if the bank account is already merged) accumulate the money $20 here, $50 there for as long as it takes. This way there is not this sudden chunk of money missing.