I think the healthiest way to look at it as to reframe it as a cost paid for an experience rather than a loss. Ultimately, all jewelry is frivolous. Of course be mindful and try to be measured and not impulsive, those are generally good habits to have. But if those pieces gave you joy at some point, and then you rehab or sell them because they don’t anymore, the money you “lost” can be thought of as the cost of renting that piece in it’s original condition, and the experience of wearing it. It’s a hobby and a passion, it doesn’t need to make perfect financial sense as long as it’s not bankrupting you. Something that enriches the soul is as important as something that nourishes the body or the bank account (with the obvious caveat that you’re not sacrificing money for necessities to buy luxuries).
At the end of the day, the thing that makes the best financial sense is to live in the smallest, cheapest home you can find (in the cheapest safe area of town), use the bare minimum of electricity and water to get by, eat nothing but rice/beans/lentils/potatoes (cheapest staple foods), and work as much paid overtime as possible. But if you did just that and nothing else for the rest of your life, you’d be missing out on so much, and you’re hardly going to be able to use the wealth you accumulate after death. As long as you can comfortably afford your lifestyle and you’ve built up some retirement/nest egg/savings etc you shouldn’t feel guilty about spending a reasonable amount of money on something that fills you with joy.
No guilt, no headache.
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