Whether it’s expensive jewelry, quality electronics, state-of-the-art appliances, or luxury automobiles, who doesn’t want the finer things in life? The catch – for most people – is finding the money to afford these big-ticket items.

But if there’s a will, there’s a way. Between bargains, discounts, and affordable financing options, owning nice things isn’t beyond your reach. All it takes is patience, compromise, responsibility, and a little bit of luck along the way.

To get the point across, here are five high-end brands we think are within your reach:

Cartier

One of the most respected names in the luxury goods business, Cartier has been crafting magnificent necklaces, bracelets, rings, and other fine jewelry for 175 years. Find vintage Cartier jewelry within your budget by attending estate sales, participating in auctions, and reaching out to antique shops. There’s a greater supply than most people think, giving you a little wiggle room when negotiating for a lower price.

Rolex

While spotting someone wearing a Rolex watch doesn’t slow time down like it used to, the Swiss-based company remains the gold standard for luxury wristwatches. A surplus of preowned Rolex watches means the market is in your favor. Find your closest Official Rolex Retailer and inquire about their preowned inventory. If you have your heart set on a new model, financing options are available for those who qualify.

Bose

The leader in luxury audio equipment, Bose made us aware of the importance of sound quality in everything from watching movies to learning a new language. While the company’s line of products is notoriously overpriced compared to other popular brands, the improved quality is worth the cost. What’s more, financing is available to those who meet the company’s criteria.

Apple

Have you ever wondered why so many youngsters are walking around with their own personal array of Apple products? Between an iPhone, iPad, and MacBook Pro, you’re looking at several thousand dollars of electronics. Chances are, they got their Apple products courtesy of Apple Financial Services. While the program was intended to help educators afford to invest in Apple products, financing is offered to individuals as well.

Audi

I don’t know about you, but I can’t change the channel without seeing a commercial for Audi automobiles. The company is going out of its way to help just about anyone get the financing they need to drive off in one of their luxury vehicles. If you’ve always dreamed of driving an Audi, consider visiting your local dealership and seeing what options they have to offer.

Tesla

Another automaker determined to help people own one of their cars is Tesla, the industry-shaking electric car company based in California. While most Tesla model vehicles are priced high and even exceed six figures, the company has recently unveiled models priced under $40,000. While not as sleek or sexy as the more expensive models, the Tesla 3 has an MSRP of $38,990. Split up into monthly payments, that’s not so bad.

Of course, there’s something to be said for having little to no interested in luxury products. Nobody should ever feel like they need to buy expensive things to keep up with the Joneses. The purchase of a luxury item – whether it’s fine jewelry, advanced technology, or luxury automobile, should be driven by an authentic desire to have it in your possession.

There’s also the matter of putting things in perspective. An expensive necklace or costly gadget is – at the end of the day – just an item. Letting it take control of your life or destroy relationships is bad news. Nothing – no matter how expensive – is worth letting other parts of life go to the wayside.