Afraid of spending money

This summer, my friend and I will go on a bicycle trip together, and I want a new bike. The one I have right now is really cheap, and I want to have something more appropriate for the activity.

I spotted one that really excites me, and I know I have the money to buy it, but I have the thought “That is too much money”, and I’m feeling afraid. I go to worst-case scenarios where I miss money in a couple of months and really regret my purchase. I look for cheaper bikes, but I keep going back to this one and don’t have the courage to buy it. I feel a bit stuck. Do you have any advice for me?