I usually look at the whole picture - 3 more months left for the year, which equates to 7 more paychecks for me, one of which is after Christmas. Christmas is coming, so that means spending on gifts. Seeing your expenses ahead of time makes your moves calculated. I knew that by the end of the year I would get hit for sticker renewal, opened up the mailbox this past Thursday and seen the noticed in the mail. Saturday I drop money for a 2 year sticker.