I have expensive taste, but buy wholesale or below. When I buy for my son, the sky's the limit.
A 3/4 ct diamond ring for hs graduation, (wholesale of course). when I buy for dh, it depends, on cloths I go midway, but buy the best I can for him. for me, I have a tendency to buy loose stones (gems) at wholesale from Bancock and such and set them into mounting I get below wholesale usually at lest 3/4 to a ct diamonds in 14k gold.I also buy very rare unusual stones. Last gift I bought myself was a 4.87 ct. diamond tennis bracelet. Fabric, depends, I need a sale, never pay full price for anything, ever. EVER. took my son to lunch today, Joe's crab shack, $87.00 before tip. he Loves seafood and unusual food, ie eel, kangaroo ect. depends on the situation what's being bought.
buy good the first time.But I tend not to buy above what I need.