Hello :( I'm giving this advice as someone who's not going bcs of priorities ha? So it might not resonate with you or the others. For me, it's always better to put yourself first, your needs first. I always think of concerts and merch as something I can only indulge in if and only if I have sufficient EXTRA money for it, meaning it's money I can spend without jeopardizing my financial obligations and goals. For me, it doesn't matter if installment siya babayaran or if may parating na pera next month, etc, if I don't have the money at the moment, I won't do it bcs money is unpredictable. Meron siya now, wala siya next. We are actually in the same boat bebu, may pera naman pero may personal things to settle tayo and natural talaga na maiisip natin na this might be the last we'll see svt for a long time but iniisip ko talaga na it won't be the last last, there's always the gut feeling na this won't be the last. Take for example, if you know lang hahahaha Jaejoong ng TVXQ before. He was banned from appearing on TV by his previous agency for 15 years pero guess what bebu, he has a concert now with his former member Junsu!!! With SVT's bond together and their love for Carats, I promise this won't be the last. And when that time comes, you will have enough money to see them without worrying about your financial expenses 🥹