My No Buy Year: Rules and Exceptions

So I mentioned in my last post that I was undertaking a no buy year.

What the heck is a no buy?

Well! Simply, it’s whatever the heck you want it to be. Or, rather, it’s what you need it to be. The aim is to cut your mindless spending habits. The outcomes are numerous. It’s supposed to help you:

– save money

– decipher needs from wants

– declutter and minimalise

– spend more mindfully

– break your advertising brainwashing

I’m using it as a way to hit reset. I want to spend this year seeing how I feel when I spend less money. What do I need to be happy? That way, I can move forward into the rest of my life with good spending habits and the ability to stick to a budget (this is something that still escapes me). I think it’ll be challenging but I’m excited to see what happens!

So how does it work?

Typically, a lot of people use it to curb their material buying habits, ie. clothes, makeup, shit you’ve seen your favourite influencer use. Now, I’m not going to lie, I’ve been known to buy a thirty quid water bottle and purchase more books than I can possibly read. However, for me, I know material items is not really my problem area. I don’t really own many clothes, instead favouring a Marge Simpsonesque uniform. I own five of the same black t-shirts, a black hoodie, a couple of shirts and a pair of docs. And, I mean, that just works for me. But, if you’re someone who can’t get through the day without scrolling fashion websites, or can’t walk past a sale in H&M without going in, then this is going to be a great area for you to work on.

This doesn’t just go for clothes though. As I say, books is a big one for me. It could also be video games, anime figures, candles, kitchenware, homeware, tech. Like, it’s not about completely quitting your passions. It’s just about wondering whether we need every single thing we set our eyes on.

So when it’s not about material objects, what is it about?

Oh, where to even begin! It’s eating out, it’s eating takeout, it’s coffee, it’s the cinema, it’s gigs, it’s the theatre, it’s exhibitions, it’s lunch. And more than anything, it’s booze. We’re British, we love the pub. It’s not our fault! Haha.

But no. This is my trouble area for sure. ‘Activities’. But mainly, drinking to excess. And don’t get me wrong, I love doing that. I have some of my fondest and funniest memories from nights out or unexpected daytime pub crawls. And I have no intention of stopping them entirely. But I’m getting to a point where I look at my bank account and think, fuck, what have I got to show for it? Good times, yes. But a house? Savings? Trips to California? Nope! And I’d like those things. So that’s my main intention for my own year.

But you’ve just got to find your own.

Traditionally, some people will take the ‘no buy’ idea at face value. They pay bills and buy groceries but aside from that, absolutely nothing is purchased. And I totally respect that. I couldn’t do it. However, I’m not doing my no buy to punish myself. I’m doing it to learn how to be more responsible with money. To be minimal. To focus more on relationships and relaxation than expensive tech and bottomless pints. And that’s okay too.

Some people will probably tell you that you’re doing it wrong. You are not doing it wrong. Because there are no rules. It is not a contest. It is a self-development project. So set yourself some rules to stick to but also list your exceptions. Write them down and then cement them. Having clear rules will help you each time you go to take your card out of your purse. Having clear exceptions will also help you stick to your ultimate goals whilst having fun. If we didn’t have them, our desperate selves would find a loophole and that’s just not what we want.

I think the overarching idea is to have fun. It’s not extreme to take control of your finances and consumerism. It’s actually quite responsible. But with this challenge comes the chance to have fun where you never would have looked for it before. By eating out once a month, you’re not telling your friends you hate them. Simply find ways to hang out with people that are free. Go to the park, go to a free museum, go for a hike. There’s so much out there waiting to be discovered.

I’m really excited about this year. And whether you decide to embark on your own no buy (or low buy, less intense version) or not, I’ll keep you posted on my journey. And maybe you’ll start to think a little more mindfully in your own spending habits!

My No Buy Rules + Exceptions

– No books

– No physical objects

– Replacements/repairs are fine (deodorant, jeans, think one in one out)

– Gifts are fine, so are birthdays (if someone invites me to celebrate their birthday I’ll say yes)

– No new subscriptions but existing are fine

– Things for education/fitness are okay (gym membership, driving lessons etc.)

– Things for the wedding are fine (my sister’s wedding is due to be the event of the year!)

– One day in Dublin (I made a pact with my mum that I’d go there every year of my life)

– One trip each quarter (these will have spending limits. Glastonbury, Scotland..)

– Eat out with Danny once a month

– Eat/drink out once a month with friends

– Six visits to friends outside of Liverpool

– Twelve cinema trips

– Twelve theatre/gig trips

– £15 for food/drink with each theatre/gig trip

– £20 monthly in house budget (beers, ice cream, treats and such)

– A couple of extra Christmas outings is okay

And there you have it! Those are my rules. I don’t know if people think that’s a lot of trips out or barely any. For me, that’s a lot less than I’ve gone out this past year so for me it’ll be challenging to stick to! As I say, you can choose to do your no buy however you like. Some might cut everything but essentials. Others might just do physical objects. Some might do a mix like me. Anything goes, kids. You should know this on my blog by now! Also remember, you can start a no buy whenever you want, it doesn’t have to be January. You also don’t have to do a year. You could do a month or even a week!

Let me know what you get up to!

Say Anything – Girl In Red

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