For the past several years, Apple has consistently charged $129 for major Mac OS X upgrades. As much as we might all wish they were less expensive, I recommend adding that amount to your budget right now; ultimately, you'll get much more than your money's worth. Major upgrades invariably contain features that enable you to get more done in less time and with less effort. If time is money, upgrades pay for themselves. So plan to make that investment, and it won't seem like such a big deal when the time comes.