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How to Spend Less Money Starting Now

YNAB Blog·5 days ago
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Now with fewer impulse buys and more insight 🛒 Updated November 12, 2025

Everyone deals with excess spending a little differently: some of us opt for an intense all-out sprint approach to financial health while others plod on with slow, steady consistency like hitting a daily step goal. Whatever your intensity level, we’ve got ten ideas on how to spend less money.

Prefer to watch instead of read? Ashley walks us through some ideas for spending less in her video below:

Spending strategies for those that opt for the all-out sprint:

1. Do a spending freeze that actually works

Pick a length of time: a week, a month, six months—where you don’t buy any products, subscriptions, or services you don’t absolutely need. This spending freeze helps you save money faster. Then give this spending sacrifice a “why” (maybe you want to save a lot of money for a summer vacation or to build an emergency fund). Now your “why” makes it easier to pause on those pesky impulse purchases.…

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