Is it really worth the investment?

I AM a financial analyst by pro- fession and have always been a frugal consumer. Whenever it comes to purchasing something, my first consideration is cost.

With the heightened costs of essential items, the common questions I ask before making buying an item are: “How much?”, “What is my return on investment? Does its benefit commensurate with its cost? What is my payback period? Value for money?”