Seriously speaking, this kind of sudden urge,with some extra of so called disposable income,I was driven by my emotion rather than having my sudden urge curbed by my previous once well thought out of "financial planning".
Two years ago,I told my lovely wife that once our new car (ya,2 yeas ago ,it was brand new) was paid up by the 24th month, (which was this April),we would then commit to save up the "exact amount" that we used to pay for the car installment without fail every month.
For the past few months since last April,I was religiously doing it,saving that amount but those car ads of year end sales really piqued my interest and quashed my ability of "delayed gratification" and badly enough, my wife was happily influenced by me and we did go "car shopping".
Somehow,call it divine intervention you may, those "car shopping" experience has not been so pleasing and smooth sailing and I am a kind of person,who would just abort the plan when my so called 'instinct' telling me it was not going to be nice.
After conferring with my lovely wife again, we stalled that plan of "upgrading" and we're back on track of saving religiously.. I want to save so called "enough" to wait for the right moment to pick up some stocks, when it plummets hopefully before the election is announced...or like for an example if DIGI were to go below RM4.70 or for some IGB Reits if hits below RM1.25 or other picks,,,
What kind of BIG item have you ever bought by sudden impulse ?
P/S : Volks Wagen can wait for another 3 years..