Often, speculations is likened to Gambling; without a defined possibility of outcome. This will place whoever speculate in the danger of loosing the Stake.
When the Stake is the Stippend ; and lost in the gamming, the stakes will be in a direct situation.
Thus it will not be advisable to stake what you can't afford to loose. Can you afford to loose your up keep money ? If " "Yes" , stake it . If not , don't stake it!!