Its all phychological. People spend 300 bucks at a time because they don't want to spend 6k at once or they don't have it. Second would be they don't want to wait and save money until the amount of 6k is reached. Bieng impatient. This is probably the primary reason for this. Come to find out at the end they blew 7k over a period of time. Its easier said then done by then since they've already spent that amount. Its harder to tell yourself well I have to wait till I reach 7k two years from now or what ever.

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