2026 is just days away, and before you know it you’ll be wondering how to make your budget work for the rest of the year. Let this be your sign if you’re planning a no-buy or low-buy year. Because Jen and Jill are breaking down exactly how to do it without the shame, burnout, or giving-up-2-weeks-in energy.
The biggest mistake you can make is giving up and saying I’ll try again next time. When you make a mistake, own it, reflect on it and reenter the challenge immediately.
What is a no buy vs a low buy?
Jen and Jill break down the difference between a no-buy and a low-buy. Jill explains that a no-buy means you’re not spending on anything outside your pre-approved list. This includes things like bills, housing, food, true essentials, or a planned event. It’s usually a short-term reset and can lean a bit into “extreme frugality.”
Meanwhile, Jen shares that a low-buy is more of a lifestyle shift. It’s about choosing creativity over consumption and spending based on your values. This one lasts longer because it’s meant to change the way you shop for the long run. Whether you do a no-buy or low-buy, both are here to help you build better habits with your money.
Benefits of Doing A No-Buy or Low-Buy Year in 2026
A No-Buy or Low-Buy Year in 2026 isn’t just about saving money. Jen and Jill frame it as a shift toward spending based on your values and getting clear on what you truly want. Jill points out that the real wins show up in your habits like slower shopping, making wishlists, giving yourself time to think, and realizing you actually want less.
Jen loves the lessons along the way, while Jill says it’s especially helpful if you’re paying off debt and want faster progress. It comes with challenges, but the long-term clarity and better spending habits make it worth it.
How to do a No-Buy or Low-Buy Year in 2026
- Do a 90 day transaction inventory: Look at the last three months of your purchases because they show your real habits and patterns
- Set your parameters: Set where you will say yes to and say no to.
- Look at your calendar: Know your must-spend days and your tempting days, and plan creative alternatives ahead.
- Create that creative alternatives list: Identify all the things you want to do that don’t cost money.
- Eat from your fridge and freezer: Do as much shopping as you can from what you already have.
Are you doing no buy January with the 90-day debt free fast track?
A BIG YES for both Jen and Jill!
✨ Join the 90-Day Debt Free Fast Track!
From Jan 1–Mar 31, join Jen & Jill for 4 live classes, 3 challenges, 2 books, and 1 shared goal — $100,000 of debt paid down in our community!
Live coaching, community accountability, and instant access to The Financial Reset (a $297 bonus course!).
🎁 Early Bird $149 (Dec 5–16)
💸 Regular $199 (Dec 17–Jan 7)
🎉 Surprise goodies for first-week enrollees!
Bill of The Week
Thanks for Stacy sharing your bill about shopping around for car insurance – saving $200/mo.
Thanks so Much for Listening!
Thanks so much for listening. We love love love reading your kind reviews and we especially loved this one from:
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Buy What You Love Without Going Broke is an absolute game-changer!
One of my favorite parts of this book is the 90-day action inventory plan. It's practical and easy to follow. It will help me pay down debt and get a clearer understanding of my spending habits.
What really stood out to me was how the book encourages mindfulness in spending. When I take the time to pause and think about what I need verses what I want, I make much better decisions. This book has already made a positive impact on my financial life, and I know I will keep referring to it for guidance and inspiration.
If you are ready to take control of your finances without feeling deprived, I highly recommend this book!
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