I say to myself always: Do not spend more than what you can afford. In fact, do not spend for anything unless the money is available from your disposable income. And then, half of it only gets spent buying the shinies. The other half is put away for cash savings on hand. So if I only have $50.00 disposable income, I will only buy $25.00 max of silver, the $25.00 is put away and added to my stack of cash.