While opening a victoria secret credit card may not be essential to your finances, there are items that you are in need of taking care of, otherwise it could lead to financial or at least a mental strain that could cost more down the road to repair.  There is a line between being frugal and cheap, where cheap tends to miss out on the important factors in life in order to save a few bucks, while frugal means you can at least take care of the necessities, just maybe looking for the best deal. When it comes to certain items, you definitely don’t want to skimp.
Auto Repairs
I’ve had plenty of friends throughout the years have that red light come on in their car and ignore it, while I would always get paranoid and take the car in right away. If that light comes in it’s a pretty good sign that something needs to be addressed, so might as well bite the bullet now and put the money up front instead of possibly making the problem worse and paying even more later on and really kicking yourself.
Keeping Up on Your Home
Same philosophy as your car, but with a much larger impact as home values are basically what, like 6 times a much value as your car, depending on the value of both of course, so it’s all more important to continuously maintain your home to prevent problems later on. For example, changing the air filter on your furnace every few months can prevent build up and breaking down if avoided, not to mention sealing off any drafts around doors and windows not only will protect your home, but improve energy efficiency and save on your heating or cooling bills.
Home, Auto, and even Life Insurance
While there is not set limit on what makes sense, as it really depends on how much coverage you need to protect yourself and your family, but when it comes to home, auto, and even life insurance, you don’t want to miss out on any coverage you could need if an accident causes you to miss work, or even worse, death, leaving a financial burden on your surviving family members. Keeping coverage current is obviously important too to make sure there are no gaps, leading to expired policies. While you don’t need to go overboard with coverages, just makes sure you can calculate or a professional, to help with what you will need.
Quality Mattress
If you get a solid eight hours of sleep, which we should strive to do but probably most of us don’t, you can at least figure that we are in bed about a third our life, so might as well spend the money on a quality mattress to get the most restful sleep that we can get. Not having a good night’s sleep can affect your focus, energy, and mood, so it’s important to be as comfortable as you can without tossing and turning on a cheap mattress.