Trendy “low-buy” challenges are gaining popularity as a way to achieve financial goals in 2025 without completely cutting out spending. These challenges offer a more flexible approach compared to previous no-spend challenges, making them more accessible and manageable for a wider audience. Dr.
Clifton Berwise, a clinical psychologist, noted that spending habits can impact mental health in various ways. “Overconsumption and mental health are deeply connected,” he explained. “Feelings like sadness, shame, or even excitement can lead to impulsive spending and overconsumption — those small buys that seem harmless in the moment but can result in long-term financial stress and emotional strain.”
Low-buy challenges allow people to regain control over their finances by spending mindfully or focusing on saving.
TikTok users have shared their low-buy “rules,” which include limiting coffee runs, avoiding takeout apps, and reducing streaming platforms.
Low-buy trends enhance mental wellness
“Taking control of your finances can absolutely help you feel more in control of your life overall, and that sense of control is incredibly important for mental well-being,” Berwise said.
These challenges also provide an opportunity to find joy in activities beyond spending, such as having a board game night with friends, reading a book, or connecting with nature. To start a low-buy challenge, Berwise suggests setting a realistic goal, ideally no longer than a month when first trying it. He emphasizes focusing on progress rather than perfection and tracking your progress.
“Completing these challenges successfully triggers the release of brain chemicals like dopamine and serotonin that signal happiness and calm, reducing feelings of stress,” he said. Low-buy challenges offer a balanced approach to achieving financial goals while also promoting mental well-being. By spending mindfully and finding joy in non-spending activities, people can take control of their finances and reduce stress in the process.