Save or splurge: The bedroom

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.

Sealy Silver Coast Ultra Plush Euro pillowtop<br>$899 (for queen-size mattress and box spring)
Mattress and box spring
Sealy Silver Coast Ultra Plush Euro pillowtop
$899 (for queen-size mattress and box spring)
Save or spend: Spend
This decision comes down mostly to comfort, but it's safe to say that the cheapest mattresses don't have much padding (you'll feel the springs), are made with polyester (which can pack down over time), and have fewer coils (you want at least 350).

As you go up in price, you gain layers of support, like body-molding memory foam or the "Posturepedic innerspring" featured in this Sealy.

Tip: Ask the salespeople to start you from the bottom up, or they'll have you test the priciest one first - and let you convince yourself that nothing less will do.

Headboard

Mattress

Sheets

Comforter
Wardrobe How to look like a million bucks without breaking the bank. (more)
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)

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Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: © 2018 Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. 2018. All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor's Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2018 and/or its affiliates.