The best and worst viral savings trends of 2025

Core Insights - In 2025, social media significantly influenced American saving habits, with 59% of respondents trying money-saving trends according to a Chime survey [1][2] Group 1: Effective Savings Trends - No-spend challenges gained popularity as a method to combat overconsumption and manage rising prices, where participants eliminate spending in certain categories for a set period [4][5] - Loud budgeting emerged as a trend encouraging open discussions about financial boundaries, allowing individuals to prioritize savings without social pressure to overspend [6][7] - Side hustles became increasingly common, with 45% of people engaging in them, particularly to cover basic costs amid inflation, with many dedicating only 5 to 10 hours per week [8][9] Group 2: Ineffective Savings Trends - Cash stuffing, popular among Gen Z, involves organizing cash into envelopes but is criticized for not growing savings over time due to inflation [10][11] - Girl math humorously rationalizes questionable financial decisions but can lead to poor savings habits and perpetuates negative stereotypes about women's financial acumen [12][13] - Manifesting wealth promotes a mindset of attracting money through positive thinking, which can detract from necessary financial planning and disciplined actions [15][16] Group 3: Practical Tips for 2026 - Creating a budget that aligns with financial goals is essential for effective saving, utilizing methods like the 50/20/30 rule or zero-based budgeting [19] - Automating savings can help maintain consistency, ensuring progress throughout the year regardless of the amount saved [20] - Reviewing and trimming unnecessary costs can free up funds for savings, focusing on eliminating expenses that do not provide value [21]