Here's how I rationalized it:
1. Had to buy cream cheese anyway. Four buck premium for chopped chives.
2. Didn't buy lox.
3. First post-Passover bagel deserves a special shmear.
4. Little comforts, big impact.
5. Very expensive week. Can easily hide four dollar loss.
If Suze Orman calls, tell her I'm in the shower.