Elijin said:
In the theoretical situation, being able to afford to spend 100 dollars on entertainment every month or week or whatever, does not translate to being able to spend 300 dollars on entertainment one month/week/whatever(especially since people are likely to spend money earmarked for entertainment as its available). Do you even budget?
Isn't that a dumb way of doing things? If a pre-order happened to be a really good deal, sure, I guess ordering in advance makes sense. I've pre-ordered because stores gave me something like 20% off on the pre-order and I was very certain the game would be something I'd like. (Usually a new Atelier or Tales game.)
However, here's what happens if you pre-order:
a) You only pay a portion of the price, usually about 10%, up front as a guarantee the game will be set aside for you. You'll still have to pay the rest when the games comes out, meaning you will have to set the money aside if you want the game.
b) Pay for the whole game up front, which is not the smart thing to do, as your money will be stuck to an uncertainty. You won't be able to use it if something more important comes up (unexpectedly costly car repairs, a death in the family). And if you're not unlucky enough for that, you might still be unlucky enough to be stuck with a disappointing game. Best worst case scenario, the game turns out to be cheaper in another store.
In most cases the smartest thing is to just save up for the more expensive months (and start comparing prices before the game comes out). If you know it's very likely you'll want to buy more games than normal in October and November, start setting aside money in March or April or whatever. Just because you budget $100 for entertainment every month does not mean you have to spend $100 on entertainment every month. Budgetting means setting part of your entertainment fund aside if you know you'll need a buffer later. Being bad with money is flaw you can overcome.