So, 2025 is here and you have decided to make it your money conscious year. However, as a serial buyer, you struggle with knowing what to really spend your money on and what products/things to pass on.

You are not alone at all, the world was designed for us to fall into consumerism, as it is what makes the economy go around. 

Consumerism is a huge trap that convinces you into buying goods or services that you do not really need and that leaves you immensely unsatisfied. 

Do you always find yourself going over budget or never seeming to save enough money no matter how much you earn? 

Well, this article is for you and we will be decluttering together what goods/services you should definitely spend your money on in 2025 and what, on the other hand, you can pass on.

1 – Spend : High-Yield Savings and Investments

A High-Yield Savings account is a type of savings account that has interests higher than the national average. 

A High-Yield Savings account is also called a high-interest savings account. The interest rates on deposits are higher than traditional accounts.

Usually, those types of accounts are super safe and your money is easily accessible. 

Opening up a high-yield savings account is easy, if your bank where you have your checking account offers one, you can open your high-interest account there. You will have to make a deposit right away. You can do so by either transferring from your checking to the new high-yields account or you can deposit cash or checks.

A high-yield savings account can be a great way to save money to build your emergency fund.

Skip : Impulse Purchases in real life or Social Media

We do not need half of the non-essential purchases that we make, however, we cannot stop ourselves from buying them.

Whether it is that new toy for your dog (he already has hundreds) or that new korean face mask that swears to age you down by 10 years, think before you buy!

As a general rule, to avoid impulse buying, you should wait 24 hours. If you go home and evaluate and deem it necessary, after 24 hours to buy something. That’s the only time you should really make the purchase, not before.

2 – Spend : AI or Digital Tools for Productivity

Spending money on AI or Digital Tools for Productivity: 2 of 6 great ways to spend your money in 2025.

In the digital era, we can have a lot of options of Artificial Intelligence tools and gadgets to help us be more efficient and more productive.

A lot of us struggle with procrastination, brain fog and other productivity issues. A good use of your money would be spending on things that can help you become more successful.

Whether you are an entrepreneur, student, freelancer, etc., tools like promodor (a pomodoro timer) or fireflies (an AI assistant) can save you a lot of time and money.

We now live in a super advanced world where we are not required to struggle alone, there are thousands of tools out there to help us!

Skip : Trendy Tech Gadgets

Just because it is being advertised on the internet like the best tech gadget that can save lives does not mean it will indeed do that. Trends are oftentimes just traps into consumerism.

We should be very careful about trends. Before purchasing a new trendy gadget, it is important to go online and check reviews.

Reading reviews of people who have already purchased and used the product and getting their opinion can save you tons of money. As many can testify, lots of trendy stuff are just bluffs!

3 – Spend : Health and Wellness

Spending money on Health and Wellness: 3 of 6 great ways to spend your money in 2025.

Health is the greatest wealth that you can give to yourself. When you feel good inside, you look and do good on the outside. 

Health is an intangible asset, your physical and mental well-being are the most valuable gifts you can have. 

Multiple ways to spend money on your health and wellness include:

• Healthy grocery shopping and eating healthy, home cooked meals: Being very careful about what you put in your body, getting rid of junk food and eating healthy food is a great way to invest in your health. 
• Enrolling in a yoga or pilates class: Besides being a fun way to move your body and being active, yoga or pilates classes help you achieve mental well being.
• Going to therapy: If you struggle mentally, try to get professional help. Loving yourself so much that you do everything to feel good, includes getting help from licensed therapists.
• etc.

Skip : Overpriced Gym Memberships

Let’s be real, a lot of us are signed up into expensive gym memberships that we rarely go to. That’s a lot of money going to waste and that only benefits gym owners.

If you go to the gym often but your membership is on the pricey side, try to find cheaper alternatives near you. 

Or if you do not go that often, you can buy a few passes or workout at home.

4 – Spend : Skill-Based Education

Spending money on Skill-Based Education: 4 of 6 great ways to spend your money in 2025.

The more skilled you are around high demands fields that matter now, the more valuable you become on the job market. Also, the more money you make.

Besides the knowledge acquisition part, learning a new skill can make you more confident at work and help you approach day to day work situations with more ease.

It is worth investing into skills in high demand fields and getting a certification.

For instance, skills like AI, coding, digital marketing, data analysis, etc. can boost your career or business.

Invest in yourself and your education to stay relevant on the job market!

Skip : Fast Fashion

Fast fashion is poor quality clothes or clothing items that are made quickly to follow industry trends and that are sold at relatively low prices. And those clothes or clothing items are rarely worn or put away quickly.

The problem with fast fashion is that even if the clothing items are not expensive, it is at the expense of the workers and the environment.

Workers of the fast fashion industry are not paid fairly, and often work in poor work conditions. In addition, the environment is impacted negatively by fast fashion. It is the second biggest consumer of water and is responsible for 10% of global CO2 emissions. 

If you like fashion, it is better to buy clothes at thrift stores or get sustainable clothing items.

5 – Spend : Experiences

Spending money on Experiences: 5 of 6 great ways to spend your money in 2025.

Experiences are what stay with us forever.

Investing in traveling is a good and healthy way to spend your money in 2025. Traveling comes with a wide-range of benefits. Travelling can bring new friends, create new bonds, gain new perspectives on life and help you gain lifelong memories. It also boosts creativity and curiosity and enriches your knowledge. 

If you do not have a budget for traveling, you can look for experiences in your hometown. It can be a cooking, painting, pottery class. Or it can be an outdoor cinema.

Spending money on joyful and meaningful experiences instead of material things help you stay out of the consumerism trap. 

Skip : Expensive dining and taking out 

To be joyful and meaningful, experiences do not have to cost tons of money. If it is within budget, sure, fine dining can be a good once in a while experience. However, you do not need to eat at luxurious restaurants every time you go out.

Also, it is preferable to cook at home. It will be healthier and less pricey.

When ordering food, you do not only pay for the food but you also pay for service fees and delivery fees.

If done often, it can quickly add up and you will be wondering where all your money has gone.

6 – Spend : Side Hustle or Business Growth

Having a side hustle or a business is a great way to generate an income that will allow you to save money and build wealth. 

Growing a business or side hustle is not an easy thing. It requires a lot of patience, determination, and good decision making.

A great decision you can make for your future self is spending money on your side hustle or business instead of on useless things.

You can invest in your business in multiple ways. You can hire an assistant, a freelancer or you can buy new furniture, or spend money on advertising.

What you choose to invest depends on your business needs.

Skip : New cars

Cars are liabilities, not assets. Even if they look nice on the outside, they are very costly, besides the initial deposit.

Buying a new car includes the deposit, the monthly payments, the insurance fee, services fees etc.

If your Toyota 2003 still works well, please keep using it until it falls out. 

Conclusion

We are at the end of this article on what to spend your money on in 2025 ! 

Money saving and wealth building is all about becoming money conscious. By knowing what consumerism is and who it really benefits, it helps stay out of the trap. And by staying out of the trap, you can spend your well-deserved money into things that really matter.

In addition, you can make your money work for you!