> How do you know this?

When I check my bank account, there typically is more money than before.

> Does that work out as being more cost effective than buying a new bike

I don't know and I don't care. I don't claim that I don't do _any_ budgeting/planning/accounting/whatever, I just try to minimize the mental effort needed for that. Obviously one effect is that my consumption bucket is not economically optimal. I have no clue, nor interest to find out, how expensive these choices are for me. For some people it is worth putting money to luxury items. For me it is a luxury that I can afford not to worry how optimized my consumption is.

(One more thing. I do have above average salary in my country. Obviously that makes things a bit easier.)

> (One more thing. I do have above average salary in my country. Obviously that makes things a bit easier.)

Most of us here can easily say the same thing. Most of us could also say that we are above average intelligence and we, too, could just as easily have a sense of our finances. However, we choose to keep track of everything a little more accurately than that.

> However, we choose to keep track of everything a little more accurately than that.

Precisely. And there is nothing wrong with that. I just have made a different choice based on my preferences, and I see nothing wrong with that, either.