Ahhhhhh...but they aren't spending their own money. They are spending someone elses money that they borrowed. Money that must be repaid with interest. Your plan is based on optimistic future assumptions like a big tax return, a bonus at work, future promotions... The road to financial ruin is paved with such plans.

Don't get all offended. Do what you want, but if we are trying to give out real, useful advice...telling people to bet on that big raise is nonsense and simply bad advice.