I'm sure this has been done before, but since I thought of it, that means it's a brand new idea and an awesome one at that. I'm not so poor that I have to starve myself to pay rent (though it's helpful that I work at a restaurant and was required to take a meal plan since having no choice but to move back onto campus). I also could afford to put gas in my car, if I could afford to fix its flat tire. So you see that I'm not the poorest of the poor, by any means. That's why I can afford my idea. As a means of making sure I'm not blowing all of my money on bargains (see: When bargain hunting is an addiction), and as a way of helping to ensure that I only take advantage of bargains on items I need (or extras I could sincerely use), I've decided that I will indeed charge myself for the whole purchase price. Example: I "needed" a new watch. I would have been happy with a $5 one, if it weren't for my running. To properly train, I need to know my splits, so I need multiple fancy timers. I picked out the best watch for me from the ones on the clearance rack. Original price: $59.99, purchase price: $27, today's extra student loan payment: $32.99.