11/07/2011 12:50 pm ET Updated Aug 07, 2015

11 Things That Are Worth The Money

Tough times have made us all a bit more cautious about whipping out our wallets on a whim. When it comes to spending with discretion, it's important to have priorities about things you think are worth the money, and those items or services that are not. Here are 11 things that I think are worth it.

1. Insurance

We need insurance to protect us from paying even more money should the unexpected occur. At the very least, car, homeowners (along with certain incidentals like fire and earthquake), and health insurance are well worth their premiums.

2. Culture

Excursions like visiting museums and monuments serve as entertainment and they give you a dose of culture. It's easy to get trapped in your own little world, but observing other people's accomplishments can open your eyes.

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