Be responsible. Don't send me anything you can't afford. I should be your last priority, if at all. Think about stuff you can get for people you care about first, including yourself.
Generic TOS: By sending a tip you agree and certify that you have permission to use the funds on the payment method of your choosing and that you are the rightful owner of such. The funds tipped in this, and any former and future transactions cannot be withdrawn, refunded or charged back directly via the Payment Processor (PayPal) or any other entities. This policy applies to all tips made to my stream. Do not tip if you do not have the means. If you do end up tipping, thank you! I appreciate it.