Consider the following:

• You go on that French vacation just as planned, but inflation raised the hotel bill beaming with sweet crêpe orders. It is safe to believe that you will take care of your credit card payment for a while longer than the vacation, turning your sweet French getaway into a bittersweet memory of tight finances. 
• You might even take the Ladakh expedition, but the heavenly views will be interrupted by thoughts of paying for the paradisical experience. 

Each example points towards the absence of enjoyment at the end of the experience. The question is, will it always be like this? To simply answer, no. Spending is overestimated as a stressful activity, but science says that spending on meaningful experiences that bring joy escalates dopamine levels. 

Pre-paid experiences make enjoying moments easier as there is no liability to pay for work post-making memories. 

In the contemporary world, consumerism can bring happiness. A key to a healthy mindset and positive relationship with money is to identify conscious consumerism and practice it effectively. Science says it starts by bridging the gap between getting the experience/product and paying for it. Changing the symmetry by paying beforehand can make the wait more worthwhile. 

Consider the following now: 

• You pre-paid for a fixed package at a splendid holiday cottage (Chambre d’hôte) with meals and can freely spend the extra bucks shopping for french collectibles and souvenirs. 
• You start a savings pitcher called Ladakh 2023 and start building the fund. Once you have more than the minimum required money, you can pay for the experience and enjoy it without fretting about the overdue payments.