7 Things Financially Savvy People Always Make Sure They Spend More On

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Kayla Heisler1.16k
July 24, 2024 at 7:13AM UTC

While it may seem counterintuitive, sometimes the best way to save money in the long run is to spend a lot of money up front. There’s a wealth of information available about how to better budget and save money, but those who are financially savvy know that there are certain things that are usually worth the splurge.

1. Shoes

It may seem simple, but purchasing a good pair of shoes helps ensure that you aren’t forced to buy a new pair each year or walk around in discomfort. You wear shoes everyday, so it makes sense to put your money toward something that you’re sure to get a lot of use out of.

2. Skincare

Skimping on skincare can lead to more problems in the future down the road. No, you don’t need to fork over thousands for special skin caviar that supposedly makes all of your pores disappear and removes every last wrinkle, but spending money on high quality sunscreen that won’t clog pores and cleansers and moisturizers that keep your skin feeling its best help you put your best face forward for years to come.

3. Training and education

Once you establish what career path you want to follow, learning as much as you can about the industry will serve you well. Receiving the proper education will make performing your job easier, you’ll be able to perform your job better, and you’ll likely have a higher earning potential than if you forego the education. It can also make you a more competitive candidate for landing jobs and earning promotions.

4. Mattress

This simple concept can save you thousands in the long run. Sleeping on a poorly made mattress can lead to complications that can last a lifetime, not to mention a lack of comfort that can lead to sleep disruptions that can increase stress levels. A bad mattress itself can cause pain and may lead to expensive medical procedures down the road. When it’s time to buy a mattress, spending more up front can save cash—and more importantly your body—in the future.

5. Time-Saving Services

Money is time. One of the best ways to spend money is to save time. Financially savvy people know that being overworked can lead to more mistakes and end up costing them more money later. When your schedule gets extra hectic, taking measures such as dropping off laundry or using a rideshare can reduce stress and 

6. Tools for Work

When you buy something that directly contributes to your income, it’s best to buy things that will make your doing your job as easy as possible. If you spend a lot of time working on a computer, instead of getting the cheapest model, look for something that will make you want to work on it. If your job requires frequent travel, invest in a nice luggage set that will help getting through the airport easier.

7. Wardrobe Staples

Though there are guides that recommend articles of clothing that every person should have, curate your list based on where you live and your lifestyle. If you live in a cold climate, spending more on a high quality jacket will help keep you warm for years to come. If you work in a professional setting, purchasing a perfectly tailored blazer can be worth the investment. For those who spend a lot of time working out or playing sports, investing in a high quality sports bra can save money in the long run. If you know you’ll wear it regularly, you could end up saving money instead of heading to the mall each regularly for replacements.


Kayla Heisler is an essayist and Pushcart Prize-nominated poet. She is an MFA candidate at Columbia University, and her work appears in New York's Best Emerging Poets 2017 anthology. 

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