In circumstances such as hiring people or in reciprocation doing freelance work - I really recommend the use of escrow services to hold funds... That way you mitigate against misunderstandings... In addition separate payments into milestones with reviews...
For digital products I would check if you can get an evaluation version or trial as that with software... In all cases I would check the guarantee and use it should it not meet needs... Also spend money online with 3rd party protection e.g. credit card, paypal etc all offer payment protection etc..
Regarding "shiny object syndrome" - well what can I say.. Don't fall for online guru cra*... There is no such thing as a one click wonder which will improve your rankings over night... In other words don't get sucked into slick sales pages promising the world lol.... Also realize a lot of reviews are fake too, especially from affiliates promoting these type of products...
When I was running my websites, I always used my left over money on advertisements and different features for my websites. If I am looking to purchase something for myself for fun, I normally look for things that I would actually use in my life that would make my life easier. Things such as components for my computer or things for my home.
I have an account in some online PTC but as a beginner you should be aware or careful to spend your money online because in every opportunity there is also a risk. All I can advice to you is find a website that serves you in two ways like you can still earn money without paying to access package or have upgrades, so if you really proves it that it really gives you profit even without spending your personal money I think that's the time to spend some of your money on it. Because they are worth to be funded because they really pays you or they are legit and not a scam.
In order to spend your money wisely, you must apply the Needs over Wants. Of course as a typical consumer, you should purchase things that can help you a lot or what we call your needs. The idea of surviving in everyday life is reality. Everyone can die without meeting the needs we need. But in our economy, we should also have the capacity to fill our wants and desires of our own self; In order to meet the satisfaction of yourself. Applying the fact NEEDS over WANTS is the best way to spend you money.
Donate the money.
Or earn them and don't buy anything unless you have to.
Personally I don't spend the money. I just collect the money and put them somewhere save. Or I buy books. I love to read so why not?
I spend a lot of money online buying and reselling things in my free time is something I actually enjoy doing. Researching certain items and finding out I can make a profit on something is something that is just so great for me. My very first job when I was 16 was working sales for a computer retail store and I was great at it. Maybe that's why even in my free time I sell stuff!
The basic way in spending money is categorizing your needs and wants on your to buy list. This way you can divert your priorities to a more meaningful purchase. You can also save a lot once you have managed your priorities well.