I disagree:
Consider these options:
1) I will give this to the needy, they would surely love it
2) I will buy more than I usually do, just to treat myself
3) I will keep this money for later, for I might need it
As you say, people will usually do #2.
But why not donate it to the needy? (#1)
Why not save the money in case of a tragedy medical situation in your family? (#3)
There are always options.
How beautiful. Nedds to be read over and over.