How to get a new bicycle without spending more money on?

I have a regular monthly salary. But I realized my spendings increases while my salary goes up. As the new year comes, I tried to set new resolutions as usual like everyone. I was wanting a new bicycle for using my daily life activities at the city. I loved one of Dutch style city bike.

Actually, I had one at Netherlands when I was an exchange student at Eindhoven. I’ve had lots of fun by riding it to the university, grocery, my friends’ homes and so on. I got very sad about leaving it in Netherlands back my way to home (in İstanbul).

At the one of my MBA lectures, I heard of a phrase like this one: “Banks uses their future receivables as their assets.” They show these receivables as assets and get loans from an other bank, in case of needs of  liquidity, the money. Also some governments…