Nope.
Since I'm very defensive in approach to such situations. I have developed (un)healthy habit of "double and a half" reserves while playing RTS games while in high school. Say, if mission said I needed 5 tanks for an assault I "double and a half" it. So I just build 2 more and half of this (2 more) and attack with 12 units. Many times game balance proved me that when mission says 5 is enough it actually requires 8 to fulfill all objectives (with bonus ones).
So, in ED, if the ship I'm about to buy costs 50M I'll build my credits reserves to at least 80M (base minimum), where 100M will be safe margin and 120M be optimal and not gimping myself. True - it may take some time to acquire said money reserves but when I finally get desired ship I can start working with it (outfitting) right away. I don't need to rebuild my reserves just to afford certain PP of FSD. All in all I will need to farm money for future purchases so I choose to do it beforehand.
In short - I'm not going shopping unprepared.
yeah im now in a place of i got the ship... now time to change back and grind money to get that ship to where i can use it. i had been grinding to get the money for that conda for a while and got a little trigger happy. ill say though it is pretty sitting there in the hanger lol