Many people try a variety of methods to save money, with varying results. But what they don’t realise is: while every little bit counts, a big splurge can easily offset those savings. I don’t know about you, but my brain justifies it like, “I’m already saving money via X, Y and Z. I can afford to make this more-expensive-than-average purchase”.

So I made a few rules of thumbs when it comes to where to splurge and where to skimp.  It’s a very individual decision, everyone values different things but here are some of my ‘rules’.