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Put your money where you spend your time. Don't spend money on something if you won't be using it.
You spend a lot of time sleeping, so get a nice, comfortable mattress. Spend a lot of time on your feet at work? Get durable, comfortable shoes/boots, and maybe some nice insoles so you don't limp back to your car from pain. Spend a lot of time playing a F2P video game? Go ahead and buy that DLC or cosmetic item to make it more fun, and support the devs to keep the game going.
The list can go on, but before any non-trivial purchase, I ask myself how much time I will spend using it.
Agreed and agreed. But an addendum regarding mattresses: No matter what the salespeople tell you, most mattresses with pocketed coil springs are pretty much the same apart from hardness, especially with a compensating mattress topper. Just get one that feels right to you, definitely don't think that more expensive=better, mattress-wise.
More money advice: Most things come in two tiers worth purchasing: "nice" and "wow".
"Nice" are the things experts deem good enough, or clothes-wise ones that you can see yourself actually wearing across multiple years, both durability- and appearance-wise. Affordable, and you like them. A useable placeholder, if you will.
"Wow" are the things that you've been steadily dreaming of for years, or ones that catch your eye even if you weren't looking. "Buy it for life" stuff. Solid whole wood furniture, that teapot or coffee maker you've been dreaming of. A designer winter coat that only costs 20 times your old one. 🫣 On these you look at the price tag after; you want it, you get it, and if it breaks, you repair it. If it's affordable, or if you find more than one of these every 1-3 years, consider yourself very lucky.
Nothing below "nice" is worth getting, and very few things between "nice" and "wow" are worth getting.
Yep, learned this the hard way.