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I'm the same way. I make sure I've got the funds available before I even start bidding on auctions, and I feel like I'm a jerk if I haven't paid within 3 minutes of the auction ending. I dislike auctions now though, so I'll almost always go with a BIN if the price is ok. If not I keep looking for a better deal. My list of shoes that I hunt isn't that big so it's not like I'm ever drowning in available pairs.