You have £5000 in your bank. That will cover your mortgage repayments to the end of the year. You see a PS3 limited edition available signed by Arsène Wenger and the Arsenal Team going for £500. Depending on how old you are, you'll either wait till you get paid, pay your bills and if you got enough left buy it. Or you'll just eat into your mortgage buffer. No ones lied. it's just different people see things in different ways.