As we move into the middle of December and hopefully start winding down the annual holiday spend-a-palooza, many are already looking ahead to their 2025 savings goals. In the spirit of Movember or Dry January — those feel-good challenges that mix self-improvement with a bit of group accountability — TikTok has given us a viral phenomenon: the “no-buy quarter.” But, as the name implies, this time the challenge goes beyond a single month. Participants commit to three months of reduced spending, with some hardcore enthusiasts even extending it for a whole year! If you went a little too hard on spending during the holiday season, think of this as the perfect detox for your battered finances. What is a no-buy quarter? At its core, the no-buy quarter isn't about cutting out essential purchases. Groceries, medical expenses, and other necessities remain untouched. Instead, the goal is to reduce or eliminate non-essential spending. Think fewer splurges on coffee, takeout, home decor, or trendy gadgets. @MckenzieMack For TikTok creator @stephen_spann, a no-buy plan begins with making the most of what you already have. “Use up the food we already have before buying more,” Spann advises, noting the often-forgotten freezer items many households accumulate. He also emphasizes tackling beauty and health products stockpiled in bathroom cabinets before succumbing to the allure of the latest trends. "If I see something new in the store, I get sucked into that... I need to use up what I already have first." — @stephen_spann Save with intention For TikTok creator Mckenzie Mack, the no-buy quarter is a powerful tool for meeting ambitious financial goals. Mack plans to use the first three months of the year to frontload contributions to her 401(k). @MckenzieMack Her method? Increasing contributions to 26% during January through March to take advantage of a large bonus and reduce her contribution rate to 6-7% for the rest of the year. “To max out your 401(k) in 2025, you need to contribute $23,500,” Mack explains. “By committing to a no-buy quarter, I’m ensuring a large chunk of my bonus goes directly toward my 401k.” "This is a use-it-or-lose-it situation... I’m leaving a little extra in my fun money bucket, but once it’s gone, it’s gone." — @MckenzieMack Break free from spending cycles Both Mack and Spann point out the emotional and behavioral shifts that come with embracing a no-buy lifestyle. Mack recommends cutting down on streaming services and finding joy in low-cost hobbies like hiking or game nights. @stephen_spann Spann, on the other hand, calls attention to the subtle temptations of shopping apps and notifications. “Remove shopping apps from your phone,” he says. “They’re just tempting me.” "Just because I can get it on sale doesn’t mean I should buy it." — @stephen_spann Both creators agree that breaking the consumerist cycle is about appreciating what you already own. By doing so, they say, you save money and cultivate contentment. How to start your own no-buy quarter If the idea of a no-buy quarter appeals to you, here are some steps to get started: Identify your essentials: Separate necessary expenses (groceries, rent) from discretionary ones. Set clear rules: Decide what’s off-limits — dining out, clothing purchases, or subscription services. Create a goal: Link your savings to something tangible, like paying down debt or increasing your emergency fund. Track progress: Monitor your spending and celebrate milestones, no matter how small. Find support: Share your plan on social media or with friends. Accountability can help you stay motivated. Choose a cheat: Research shows that making a new routine too difficult is a recipe for bailing on it. Choose one spend to keep you sane. From clearing out freezers and unsubscribing from services to making coffee at home, the no-buy quarter trend is more than a fleeting challenge. It’s a chance to rethink your relationship with money and discover the joys of intentional living. via GIPHY Whether you take it on for three months or use it as a launchpad for a year of mindful spending, it could be the reset you need to make 2025 your best financial year yet.