Even when buyers are cutting back on costs, the odd splurge a haircut at a favorite salon still manages to squeak by.

“Consumers are in the procedure of moving to a different lifestyle,” says Kit Yarrow, a Golden Gate University business professor specializing in buyer psychology. “That does not happen overnight.”

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In fact, a recent survey by the National Retail Federation found that budget conscious buyers have been fast to give up certain costs, like satellite radio subscriptions, high end cosmetics and cellphone upgrades, while they cling to others, like cable subscriptions, haircuts and dining out.

“What’s frivolous and what is practical is totally subjective,” says Yarrow. If that $4 mocha latte is the only thing making your mornings bearable, you will most probably give up your monthly manicures or lawn mowing service before switching to the office coffee machine.

Even while you may be able to justify keeping many splurges, that does not mean you still have to pay full price for them. Here is how to save on six of the “untouchable” costs buyers say they do not want to live without:

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Internet Service

81 of respondents in NRF’s survey say they will not cut it.

“Now’s the time to pit the different carriers and providers against each other,” says Rob Enderle, president of technology advisory firm Enderle Group in San Jose, Calif. Most Internet service providers are willing to go with competitors’ prices to keep you from going elsewhere, particularly if you are threatening to move your phone and cable services, too.

Weigh the different technological alternatives, also. WiMAX, an rising high speed wireless service, as an example, is available in many regions and typically at a much reduced cost than cable or DSL Internet services. Residents of Great Falls, Mont., as an example, could use up $29.99 per month for WiMAX through BridgeMAXX, versus $42.95 for Comcast’s CMCSA Fiber optics. The savings: more than $150 a year.

Cellphone Service

64 of respondents in the NRF survey say they will not cut it.

Don’t pay for cellphone services you do not use. Assess your monthly phone use to ensure you are not paying $80 a month when a $60 plan could suffice, advises Jordan Amin, vice chairman of the American Institute of Certified Public Accountants’ National Financial Literacy board. With so many alternatives out there, it is comparatively easy to customize a plan that suits your talking and texting behavior. Rare talkers may save more by switching to a prepaid plan, which lets you to pay a per minute rate instead of a monthly plan for minutes you will not use.

Cable

61 of respondents in NRF’s survey say they will not cut it.

Bundle your services. You will get a better rate packaging cable with at least one other product, if Internet or phone, says Enderle. New Yorkers using Time Warner TWX Cable, as an example, could cut the cable part of their bill by $10 per month by adding on cable and phone.

Subscribers to premium channels should also check to see if their favorite shows are available online free of charge. Many Liked Shows may be viewed through network approved and frequently, partnered sites like Hulu, TV.Com And Joost. Eliminating Showtime and HBO from that Time Warner bill could save a New Yorker $29.90 per month.

Discount Apparel

43 of respondents in NRF’s survey say they will not cut it

Before you purchase online, check for online coupon codes at sites like RetailMeNot.Com And CouponCabin.Com. though discount merchants like Kohl’s KSS And Target TGT Have stayed Liked Shopping places amid buyer cutbacks, the in general retail slump means mid level department and superstores are offering lots of savings, says Dan de Grandpre, founder of DealNews.Com, an online buyer guide. Kohl’s, as an example, offers 20 off a buy of $100 or more with promotion code PYDTWENTY through March 3.

Hair Care

40 of respondents in NRF’s survey say they will not cut it.

While the number of at home beauty treatments Surged, buyers are wanting to pay handsomely for services that can not easily be done at home namely, haircuts and complex coloring procedures, says Yarrow. Vocational and salon training programs usually offer low cost cuts, with trained teachers standing by to ensure your new ‘do does not become a do not. National chain Bumble and Bumble, as an example, offers free haircuts, color and style to buyers who apply for its model program, which trains student hairstylists in basic styles. Applicants must have healthy hair and be open to hairstyle changes that are more dramatic than a trim.

Dining Out

37 of respondents in NRF’s survey say they will not cut fast food and 33 will not cut informal sit down dining.

One way to trim your dinner tab: Make a reservation. Free site DinnerBroker.Com Offers up to 30 off just for making a reservation at participating restaurants, while OpenTable.Com Allows you to rack up points toward dining gift certificates.

Also be on the lookout for savings. T.G.I. Friday’s, as an example, is offering a printable coupon to purchase one entree, get one free through March 1. Or purchase a city specific Entertainment Book, which offers coupons at local good dining and chain eateries. The books cost up to $30 a part, a charge that is easily recouped with one or two nice meals out.