As we transition into 2026, I find it beneficial to look back on my financial choices from the previous year. It's a chance to acknowledge the successes, learn from the mistakes, and share insights that might help you become a more thoughtful spender. Here are my top and least effective purchases of 2025, along with the reasons behind each.
Best Purchases
Lifetime Fitness Membership
Investing in a lifetime fitness membership stands out as one of the smartest financial decisions I made this year. Health truly is wealth, and this investment promises returns in terms of longevity and potentially reduced medical expenses in the future. Regular visits to the gym have become a key part of my routine, offering not just physical improvements but also mental and emotional benefits. It's a community where I find motivation and a sense of belonging. Being around people who also prioritize their health has reinforced my dedication to a healthier lifestyle. Plus, it's a place I genuinely enjoy spending time at, making it a worthwhile expense.
Airline Tickets
Life can be unpredictable, and one of the best uses of money is to nurture and sustain relationships. Purchasing airline tickets to visit dear friends was a highlight of 2025. These trips allowed me to reconnect with loved ones, create lasting memories, and strengthen bonds that are priceless. In a world where digital interactions often replace face-to-face meetings, being physically present with friends and family is invaluable. I encourage everyone to prioritize these experiences over material possessions, as the joy and fulfillment they bring are unmatched.
Worst Purchases
Ordering Books
While I am an avid reader, I realized that buying books was not the most economical choice for me. I found myself gravitating towards libraries, using platforms like Hoopla and Libby to listen to books for free. I also tried an Audible free trial, which confirmed my preference for public resources over private ownership. This decision saved me money and reduced clutter, aligning with my desire for minimalism.
Overpriced Lattes
In 2025, I recognized that my frequent visits to coffee shops were more habitual than necessary. The cost of overpriced lattes added up quickly, prompting me to consider getting a coffee machine. This small change not only saved money but also allowed me to enjoy high-quality coffee at home. It's a reminder to evaluate habitual expenses and find more affordable alternatives.
Ubers to and from the Airport
I often used Uber for airport commutes, but over time, I noticed a decline in service quality. The rides became unpredictable, sometimes unsafe, and certainly not worth the cost. Driving myself to the airport turned out to be more affordable and reliable. It eliminated the stress of depending on a stranger and gave me control over my travel schedule.
Embracing Contentment
Reflecting on these purchases, I was inspired by "The Art of Spending" by Morgan Housel, which discusses how our brains seek dopamine but true satisfaction comes from contentment. This insight led me to declutter my home, removing over twelve garbage bags worth of items that no longer served me. The process was liberating and underscored the importance of living with less, focusing on what truly matters.
Following this mindset, I consistently invested in the stock market, even during downturns. It was rewarding to save money and watch it grow over time. Reducing dining out and weekend outings also contributed to significant savings. Driving myself instead of relying on Ubers was a small but impactful change.
Conclusion
Overall, I’m proud of my spending habits in 2025. They reflect a shift towards mindful consumption and a focus on experiences over material things. I encourage you to evaluate your own spending and embrace contentment, as it can lead to greater financial stability and personal satisfaction. Here's to making thoughtful purchases and investments in the coming years!