If we’re going to be friends, we have to be honest with each other. And honestly? 2026 is the year I stop letting “cute” things own my bank account.
Starting a frugal journey isn’t just about math; it’s about looking at your habits in the mirror and saying, “We aren’t doing that anymore.” I’ve realized that I don’t need a bigger paycheck to feel secure—I just need to stop tripping over my own impulses.
Here is my official “No List” for 2026. If you see me out and about, feel free to check me on these!
1. The “Latest and Greatest” Phone
My current phone is functional. It takes photos, it sends texts, and it scrolls through Pinterest just fine. Why was I convinced I needed the newest model every year? This phone is stuck with me for the long haul. No more upgrades for the sake of a slightly better camera I barely use.
2. Unused Memberships
I’m finally canceling the “perception” of being a gym person. I’ve realized I actually enjoy walking through my neighborhood and doing home workouts much more than a crowded gym. If I’m not using it, I’m not paying for it. Goodbye, monthly drain!
3. Hanging Out as an Excuse to Eat
I love my friends, but I’ve realized I often leave the house just to hang out and eat. From now on, I’m eating at home first. We can still hang out and laugh, but my wallet doesn’t need to join the dinner party every single time.
4. The Uber Eats “Emergency”
So many times I’ve hit that order button because I “didn’t have time” to cook. In 2026, I’m committing to meal prepping. If there’s a delicious meal already waiting in the fridge, that delivery fee stays in my pocket.
5. New Clothes (Thrift & Trade Only)
My closet is full, yet I always feel like I have “nothing to wear.” Instead of heading to the mall, I’m heading to the thrift store or doing clothing swaps with friends. It’s better for the planet and way better for my budget.
6. The “Store-Bought Fruit” Trap
I have a counter full of fruit at home. Why do I leave the house and immediately want to buy a $10 “cute” pre-cut fruit cup or a smoothie? I’m packing my own snacks and lunches from now on. My home-cut fruit tastes just as good, I promise.
7. Impulsive “Shiny Object” Buying
I’m done with buyer’s remorse. I see it, I like it, I buy it… and then I regret it 24 hours later. I’m implementing a “sleep on it” rule. If I still want it in a week, we can talk. Usually, the “must-have” feeling disappears by morning.
8. The Cup Problem (Yes, I Said It)
I’ll admit it: I have a problem. I see a cute mug or a tumbler that matches my purse or my car, and I just need it. But no more. My daughter gifted me a Stanley cup, and it’s perfect. I don’t need three. I don’t need the holiday edition. I’m holding on to what I have.
Choosing to say “no” to these eight things isn’t about making my life smaller; it’s about making my future bigger. Reclaiming my frugal living habits for 2026 is the first step toward a life defined by intention rather than impulse. I’ve realized that I don’t need to be perfect, and I don’t need a bigger paycheck—I just need to be honest with myself about where my money is slipping away. Whether it’s putting back a cute mug or meal prepping to avoid that “emergency” delivery fee, every “no” is a “yes” to my financial freedom. I hope this list inspires you to look at your own habits and decide what’s worth carrying into the new year and what’s better left on the shelf.
What are your thoughts about the 8 Things I’m Saying “No Thank You” to in 2026 Please share in the comments below. I really would love to know.
Until next time, shine amongst the stars!
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I’m getting real about my “cup problem” and those $10 smoothies. 🥤 Here is my “No List” for 2026. It’s time to stop the impulsive spending and start building a life I actually own. Who’s with me? ✨ 💰 #LavandaMIchelle
