High-definition TVs, fancy mobile devices and digital cameras are all very nice – some might gamely argue essential – but in down times, conventional wisdom holds that luxury buys are generally best avoided. As for borrowing money to purchase non-essential stuff, only the very brave or very foolish need apply. But what if the so-called luxury purchase highest on your list is eyelid surgery that would make you look younger and more competitive in your field? Or a hair transplant that would boost your confidence while dating?