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Save or splurge: Wardrobe

To get the most for your money, you need to know two things: when the good stuff is worth paying extra for and when the economy choice is plenty good enough.

18-inch freshwater strand<br>$100 to $150
Pearls
18-inch freshwater strand
$100 to $150
Save or spend: Save
Jewelers use five criteria to evaluate pearls: luster, surface, shape, color and size. Akoyas are extra-lustrous, and South Sea pearls are large; because both are rare, strands run $10,000 and up.

Freshwater pearls are farmed in large numbers, and unless they're examined side by side with other varieties, they look perfectly lustrous, smooth, round, creamy and large.

The human eye recognizes beauty, not rarity, so look for freshwater pearls that meet the five qualifications to your satisfaction.

Everyday suit

Special suit

Diamonds

Pearls

Women's jeans
The office If you're going to take your work home, shell out for a decent seat. (more)
Leisure stuff Don't handicap your wallet by paying too much for the latest gear. (more)
The kitchen Bring home the bacon and fry it up in a stainless steel, aluminum-core pan (more)
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