We all work hard for our money, so it’s totally understandable that we might want to splurge every once in a while. And beauty products are the best place to start.

After all, what good is a designer handbag without a gorgeous complexion to go with it?

But just because we feel like spending money doesn’t mean we want to waste money.

Before you hand over your credit card, it’s important to make sure that you’re getting the most bang for your buck.

There’s a reason why certain beauty products cost so much.

Yes, luxury brands do mark up their products – beauty is a business after all.

However, you’re also paying for high efficacy, exclusive active ingredients, scientific research, luxury packaging and craftsmanship.  

I remember a managing director of a high-end skincare brand (known for their plant-based ingredients) once told me that phyto cosmetology is more costly than making synthetic molecules because they are dependent on the harvest.

But he said the benefit of being a luxury brand is the freedom to search for the best natural ingredients for as long as was needed to achieve the necessary quality.

But before you go breaking the bank, think about what you should splurge on.

A simple rule-of-the-thumb is the longer it stays on your face and the deeper it penetrates, the more you should spend on it.

While cleansers and toners are important, they generally don’t remain on your skin for long and don’t enter the deeper layers of your skin.

Instead, focus on serums and moisturisers that work harder – and longer – for your complexion.

Serums tend to be costlier because they contain more active ingredients.

They are made with smaller molecules that can penetrate skin faster and more effectively.

One luxury serum definitely worth investing in is the La Mer The Concentrate ($770), which is made with the brand’s signature ingredient Miracle Broth, which is an icon in the beauty world for its skin-healing abilities.

It is so chock full of skin nourishing and strengthening properties that it can treat every problem from skin irritation, redness, breakouts and sensitivity, and will leave your complexion soft and smooth.

If you’re looking for a fast-working anti-ageing serum, then try the 3Lab Super Face Serum ($825).

It’s definitely pricey but worth every cent. It uses a combination of exclusive ingredients and Intelligent Targeting Device technology (ITD) to deliver collagen and elastin producing peptides directly to damaged cells to repair skin as and when it’s needed.

The result: You’ll see improvements in imperfections like fine lines, wrinkles and dryness within days.

A good moisturiser keeps your skin hydrated, comfortable and soft for the whole day.

It also acts as a shield over skin to protect and prevent moisture loss, which is why it’s so important. 

When looking for a good investment moisturiser, go for one that does everything, like the Cle de Peau Beaute La Creme ($875). It not only tones, firms and softens fine lines, but also brightens and prevents the appearance of dark spots.

Plus, a pea-sized amount is enough for the entire face so a bottle can last for a few months.  

Another multi-tasking moisturiser worth laying down your bonus for is the Guerlain Orchidee Imperiale Black The Cream ($1,880).

It contains black orchid extract that strengthens skin’s self-defense system so it can concentrate on revitalising itself and fight signs of ageing.

The result: a more refined skin texture, defined facial contours and a supple complexion.  

So the next time you plan to splash some serious cash on beauty products, remember to look for ones that work and are actually worth the investment.