Iv never got the "it's not your money why you bothered" shout.
It's pretty simple. The more you pay on A means the less you can spend on B
Exactly, in a pickle myself over something similar, need to do a food shop but fancy a few pints first, so do i fuck the ale off and fill my fridgefreezer and cupboards full of asdas finest produce, or have a few pints and go to Aldi or Lidl instead? Its a tough one.