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You also have to remember that steam is worldwide and your payday doesn't necessarily align with the rest of the world, which is something Valve also has to think about.
1) This sale sucks.
2) I just tried to buy something and the sale is already over.
3) I am bad it budgeting, plan your sales aroung my paychecks.
People get paid all the year around. Beginning of month, end of month, middle of month, right after their shift, ...
The question is more, if you need to get your salary to buy the games in the sale, isn't that just a case of bad planning/bad priorities?
Even if the sale date is not same as what you thought, you have two weeks to make adjustment.
4) People exceed refund limitation, then complain on it.
The sales last for as long as they're scheduled. The way the holidays fall this year probably has something to do with the end dates
You don't have a savings account? You didn't know the yearly Winter sale was coming? I'm not sure Steam can be expected to revolve around your lack of a budget. If your strategy was to blow your first paycheck of the year on the Steam sale, but are going to miss it, sounds like that was a bad strategy doesn't it?
usually = two times in the last 11 years.