I have another USAA special for you today. There was too much good stuff in their quarterly newsletter to let it go with just one post. Last week I featured their 12 ways to get extra money. Today I’m going to share their 5 things worth the splurge. It’s their list but my commentary.
- Interior Paint: Nothing can change a room faster or cheaper than a fresh coat of paint. Consumer Search gives Benjamin Moore Aura at $55 a gallon the highest consumer rating. What else can change a room from drab to fab for only $55? The second highest rated paint is Benjamin Moore Regal for $40 a gallon. More expensive paint is more true in color, is easier to apply, and has a nicer finish. You can also choose paints that smell less and dry quickly. No more spending all day painting and then two days airing out the room before you can put your furniture back. With the high end paints you can be in, out, and on with life before the kids wake up from their nap!
- Estate Planning: A will and trust are critical for peace of mind, especially if you have children. If you have minor children it’s best for everyone involved if you have a plan for them in the event of your passing. They are going to be going through a terrible time and the last thing you would want for your kids is to be put into the care of the state. Children aside, who better to decide who will get your assets than you? Plus proper estate planning can save your estate thousands upon thousands of taxes. Being prepared for your death is the loving and responsible thing to do. Surprisingly, it’s not overly expensive to give this gift to your loved ones. USAA estimates you will spend between $800 and $1,800 to get your affairs in order. My husband and I got a will and trust drawn up by a lawyer and it cost $1,200. We were able to appoint guardianship for our children as well as divvy up our assets.
- Mattress: Oh yeah, now we’re talkin’! I love to sleep. A good mattress can make a real difference in your life. Sleep is important to your physical and mental well being. After a long hard day it’s just heaven to get into a cozy in bed. USAA says quality queen sized inner-spring mattresses start at around $700. Not a bad price to add comfort to a third of your life.
- Kitchen Knives: USAA states that a good set of knives will start at about $400. That might sound like a lot of money but keep in mind that you will have these knives for life. Good knives don’t wear out. They say to look for a high carbon steel blade that is one piece from tip to end. The handle should be a hard crack-resistant material.
- Running Shoes: As with a mattress we are talking about health here. Good shoes will prevent injury and quitting a workout before you should. I know I certainly don’t need any excuses to cut my workouts short. USAA suggests visiting a local running store to get a custom fit. Everyone needs a little something different depending their specific needs. Good entry level running shoes start at around $50. I’ve also noticed that good sneakers also last a lot longer than cheap ones. So you certainly get your money’s worth.
What do you think is worth the splurge?