10 things the lower-middle class must stop buying in 2025 (if they want to escape financial stress)

Let’s be real: in 2025, everything’s getting more expensive. If you’re trying to break free from the paycheck-to-paycheck cycle—and maybe build that small business you’ve been dreaming of—you need to stop throwing money at things that hold you back.

No sugarcoating here: cut these ten habits to see your bank balance finally smile at you.

1. Brand-New Smartphones, Every. Single. Year.

Let’s kick it off with a confession: I used to be that person who lined up for the latest phone release. Big mistake! Those thousand-dollar phones lose their novelty (and resale value) within months.

If your current phone is fine, keep it. Spend that extra cash on software or services that help you grow your side hustle, or invest it somewhere more meaningful.

2. Costly Gym Memberships That Go Unused

It feels productive to sign up for the fanciest gym in town… until you realize you’ve only visited the smoothie bar. A fitness app plus a set of resistance bands at home can do wonders without burning a hole in your wallet.

If you’re serious about exercise, opt for a local community center or park. You’ll save money and still get those endorphins rolling.

3. Subscriptions You Don’t Remember Signing Up For

“Beware of little expenses. A small leak will sink a great ship,” said Benjamin Franklin. The man had a point. Streaming services, music platforms, paid apps—these tiny monthly charges can add up to a mortgage payment in no time.

Do a subscription audit each quarter. Cancel anything that isn’t adding real value to your life or your business goals.

4. Overpriced Daily Coffee Runs

My friend once calculated he was spending over $2,000 a year on cappuccinos alone. That’s a marketing budget for a budding entrepreneur! Brewing coffee at home isn’t glamorous, but if you’re strapped for cash, it’s a lifesaver.

And hey, you can still treat yourself to a barista-made latte once in a while—just don’t make it an everyday ritual.

5. Designer Clothing (That’s Basically the Same as Cheaper Brands)

Let’s not kid ourselves: a basic T-shirt does the same job whether it’s $10 or $100. There’s a time and place for investment pieces, but if you’re on a budget, go for quality over brand name.

Put that saved money into upgrading your business website or buying productivity tools. You’ll look smart—and feel richer—on multiple levels.

6. Random Online Courses You Never Complete

Ever bought a fancy course that promises to make you a millionaire overnight? Yep, been there, done that. If you really need a specific skill, do your homework. Look for reputable programs with a clear syllabus.

Or utilize free platforms like YouTube or reputable blogs that give you step-by-step tips. Time is money, and wasted time plus wasted money hurts double.

7. Ultra-Pricey Convenience Foods

“If you really look closely, most overnight successes took a long time.” Steve Jobs said that about success, but it also applies to cooking.

Buying pre-packaged meals every day might save you a few minutes, but it costs you more in the long run.

Learning to cook simple, healthy meals at home can slash your grocery bill. Bonus: you’ll likely feel better and work more efficiently.

8. Fancy New Cars (When a Reliable Used One Does the Job)

Is the brand-new car with the heated steering wheel really worth the steep monthly payment? If you need a vehicle, consider one that’s a couple of years old.

You’ll dodge that instant depreciation and still have a dependable ride to get you to your business meetings (and anywhere else). Put the money you save toward scaling your startup instead.

9. Impulse Buys During Sales You Don’t Need

Online shopping loves to seduce us with “flash sales” and “buy one, get one” offers. The excitement is real—until the credit card bill arrives.

Before you click “purchase,” ask yourself: Do I truly need this? Will it help me grow my business? If the answer is no, close that tab. You’re welcome.

10. Tons of Cheap Trinkets and Decor

Here’s some raw honesty: your house doesn’t need 20 throw pillows or the newest seasonal decor from that big-box store. When you add up those small purchases, they become a big drain on your wallet.

Keep your home functional and tidy. Then, direct those resources to something that might help you earn more, like better tech for your home office or a marketing campaign for your small biz.

A Final Nudge

Escape from financial stress isn’t magic—it’s about ditching habits that keep you in a rut. Focus on spending your money on tools and experiences that help you earn more and live better. If you’re dreaming of starting or growing a small business, the money you free up from these unnecessary purchases can be the seed capital you need.

It’s your life, your finances, your future. Make the tough calls now, and your future self will thank you.

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Picture of Ethan Sterling

Ethan Sterling

Ethan Sterling has a background in entrepreneurship, having started and managed several small businesses. His journey through the ups and downs of entrepreneurship provides him with practical insights into personal resilience, strategic thinking, and the value of persistence. Ethan’s articles offer real-world advice for those looking to grow personally and professionally.

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