gambling slot machine 2Let’s face it, most of us are not made of money. The fact that most of us can’t afford to just go out and buy whatever we want, whenever we want means that we are on a budget. It may not be written down or organized. But it is most definitely a budget. We have spending limits. That means we have to be careful about what we put in the shopping cart and how our hard earned cash is spent.

Even so, that is no justification to price shop everything we buy. In fact, there is a definite disadvantage when buying the cheapest item in every given category. In many instances (if not most), you really do get what you pay for. That’s a real problem if you only pay for the least quantity, the worst quality, and the lowest level of service money can buy. Sometimes, you need a lot better than that. Here are three things on which it is okay to splurge:

Your Internet Connection

There is no denying the fact that we now live a significant portion of our lives on the Internet. Facebook allows us to keep up with family and friends in ways that a simple phone call never could. Twitter is quickly taking the place of local and world news reporting. Streaming services have replaced our voluminous music and movie libraries. A fast Internet connection is no longer a luxury: it’s a necessity.

While copper is nearing its limits, fiber is answering the call. For instance, the AT&T U-verse Anaheim service offers up to 75Mbps download speeds in some areas. Because we do everything from paying bills to applying for jobs online, slower, cheaper, and less reliable is not worth it when it comes to your Internet connection. This is one area where you should get the best possible service you can afford.

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Whatever Makes You Money

Feel free to cut your costs on everything except the stuff that makes you money. Consumers can afford to buy crappy smartphones. Mobile professionals can’t. If your profession requires you to triage a lot of email and text messages, and the only kind of input device you are comfortable with is a physical keyboard, you should be checking out a phone like a Blackberry Passport. It isn’t its costs that’s important at this point. It doesn’t matter if it is missing some of the bells and whistles that most of us will never us. It’s a Blackberry and has a great keyboard that allows you to get things D*O*N*E….and that’s important in business!

Whether it is smartphones, laptops, automobiles, office space, or brand of clothes, you have every right to splurge on whatever it is that makes you money. Cutting costs there, will inevitably make you less money. Making less money means that your budget is squeezed even tighter than it has to be. They say you’ve got to spend money to make money. Go for it.

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Here are three good reasons why you want to avoid cheap headphones:

  • Whatever you are listening to sounds like garbage.
  • To the person hearing you on the other end of the call, you sound like garbage.
  • Because everything sounds bad, you have to turn up the volume too loud, causing long-term damage to your hearing.

Headphones are like glasses. You need to ensure the proper fit, comfort, and quality for your needs. You also spent a lot of money on your music collection. It seems silly to spend a lifetime of allowances on music, only to pair it with headphones that do not reproduce a high quality sound. You don’t have to spend hundreds. Think $70 minimum. It may sound like a lot. But the payoff is huge and immediate.

There is a fine line between being frugal and a cheapskate. Perhaps the British say it best: Don’t be penny wise and pound foolish.

What are your thoughts on this? Where to you cut costs for savings and what are your favorite ways to splurge?