A good rule to live and play by is to avoid buying items that are more than a certain percentage of your available funds.
If you set the bar at 10%, for example, you could allow yourself to buy a 20K charm once you had accumulated 200K; if you set your bar at 50%, you would have saved 40K before buying it.
Personally, I float my percentage based on the perceived gain of the item. In terms of this game, I allow for 1% to be used for vanity items because they have no use (I own ragged clothes). I push the bar up to about 50% if the item will result in improved game-play.
A system like this ensures that you always have a cushion of cash as a back-up in case of emergencies. It is also a psychological trick. I would feel bad about losing 100% of my cash, but less so if it was only 1% (even though the nominal value remains the same).
All you can do is learn by your mistake. The title of your thread is correct. Your charm is gone.
Dersu of Herne
lvl 135+ Druid (Double Helix Build)
Clan Infection... of the Britannians family of clans.