I would suggest that if paying for such a thing as a luxury handbag requires any sort of significant advance planning, perhaps it ought not to be done.
There are 20 threads just on TPF on saving for a Birkin/other Hermes bag (i.e., advance planning of the financial kind). One can well speculate that planning is common, not exceptional.
http://forum.purseblog.com/search.php?searchid=32088071
http://forum.purseblog.com/search.php?searchid=32088398
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