As Lester pointed out, all of us have different affordability thresholds.
Look at punting as an addiction. It's not a treat that we get every few months. This is a weekly to daily activity.
To feed this addiction we need to budget.
I could have bought a BMW if I wasn't punting.
I get what Nevil is going through.

However always being the guy to ask what the rate is can easily attract a response of the kind Joka unleashed.
Which is not cool by the way.
We are all strangers, there's no need to call each other names or insult anyone.