stop wasting your money on this
underconsumption, wasting money and investing in your twenties
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As I reflect on my “ins and outs” for the year, I’m proud to say I’ve successfully embraced a low-buy mindset in an effort to curb overconsumption. If you’re anything like me—someone who may or may not have a slight shopping problem or finds themselves easily influenced by sales and social media trends—this post is for you. It’s all too easy to stumble upon a viral product that promises glass skin or a life-changing routine and suddenly feel like you need it. But are these purchases truly investments or just fleeting impulses?
Looking back on my spending habits in my twenties, I can confidently admit that I haven’t always made the smartest financial choices. My early twenties were shaped by experimentation, impulse buys, and the ever-present influence of trends. But as I’ve grown, so has my understanding of money and the importance of being more intentional with it. Part of this shift comes from simply growing up, but another major factor has been the rising cost of living. A recent study found that 77% of Australian Gen Zs are experiencing financial stress, and I, like many others in my twenties, have felt the impact. With stagnant wages, job insecurity, and skyrocketing housing costs, achieving financial independence feels increasingly out of reach. These economic pressures have forced many of us to rethink our spending, delay traditional milestones, and cut back on luxuries.
With this in mind, I’ve found myself diving into the concept of ‘underconsumption core’, a movement that gained traction in late 2024. It’s seen as a pushback against the relentless wave of TikTok ads featuring influencers promoting lavish lifestyles and excessive spending. According to Credit Karma, one in three Gen Z consumers acknowledges having a shopping addiction.
73% of Gen Z and millennials who have been financially irresponsible say their financially irresponsible era is over
But underconsumption isn’t just about owning less. It’s also about being more intentional —using what you already have and only buying what you truly need. I’ve put together a complete guide on how I’m working to cut back on overconsumption this year by embracing a ‘low buy’ mindset and focusing on using what I already own.
At 25, I’ve made my fair share of spending decisions—some wise, others impulsive. From skincare splurges to “essential” tech and experiences I was convinced would change my life, not everything turned out to be worth the investment. In this post, I’m breaking down what I’ve spent money on in my twenties and whether it was truly worth it. If you’ve ever wondered what’s worth saving for and what’s just clever marketing, this one’s for you.
Items I’ve bought and whether they were worth the money
Just a quick note! Every item and subscription I mention in this post is something I genuinely believe is worth the investment. None of these have been gifted or sponsored—I’ve chosen them because they truly add value to my life. That said, I always encourage you to consider whether they align with your own needs before making a purchase. If you haven’t already, I highly recommend checking out my previous post on embracing a no-buy or low-buy mindset—it might just change the way you shop. Trust me!
Technology
HP Sprocket Printer: Perfect for printing instant photos to capture memories on the go, or for scrapbooking and gifting. It’s a fun way to preserve physical mementos of special moments. I personally use mine weekly for journaling and occasionally to add a personal touch to my e-reader. What I love most about this printer is its portability and inkless design. The only additional cost is the paper, which you’ll need to replace once it runs out, but overall, I think it's a worthwhile investment.
Sony A6400 camera: This was the first camera I invested in as a beginner photographer, and I still use it today! I love how compact it is, yet it offers the option to upgrade by swapping out lenses. If you're in search of a beginner-friendly camera, I highly recommend this one with the kit lens.
Seagate Portable Hard Drive 2TB: Rather than paying for cloud storage, I prefer keeping all my important files, work projects, and content on a hard drive. If you're like me and want to store your photos, videos, and documents, I recommend opting for at least 1TB (1000 GB) of storage. I made the mistake of starting with just 500 GB on one hard drive and quickly found myself buying more as I ran out of space.
Samsung Shield SSD 1TB: I’ve added an SSD alongside my hard drive for faster, more durable storage. Unlike HDDs, which are slower and more fragile due to moving parts, SSDs store data electronically, offering speed, durability, and lower power use. The Samsung Shield 1TB SSD is a top pick because it’s fast, tough, and can handle drops, making it a reliable and portable choice for your files.
Joby Gorillapod Compact Tripod Kit: This flexible tripod adapts to any surface, making it ideal for stable shots and creative angles. Lightweight and portable, it’s always in my gear bag.
Macbook Pro 14-inch: This laptop is the backbone of my workflow, handling everything from content creation and writing to photo editing with ease. Its powerful processor ensures seamless performance, even with demanding tasks, making work more efficient. While some might see the Apple ecosystem as a limitation, I use a Samsung phone and haven’t encountered any compatibility issues.
iPad Pro 12.9 inch: My iPad is a versatile addition, perfect for editing, reading, and even doubling as a second screen for your MacBook. It’s also a great tool for digital note-taking, whether for work or personal organisation, helping you stay productive on the go.
Skincare
Taking care of your skin and hair, as well as overall self-care habits, contributes to feeling good about yourself and can boost confidence. So here’s a list of skincare essentials I’ve been using for years.
Moisturiser: A good moisturiser is key to keeping your skin hydrated. Choose one with a formula that matches your skin type—lightweight for oily skin or richer for dry skin. I’ve been using this intensive cream from Soon Jung to help strengthen my skin barrier.
Cleanser (Gentle, Non-Stripping): A good cleanser removes dirt and makeup without stripping the skin of its natural oils. Look for one with a gentle, non-drying formula, like a gel or cream cleanser, suitable for your skin type.
I personally use both an oil-based cleanser and a water-based cleanser. If you have sensitive skin like I do, I recommend the COSRX Morning Gel Cleanser and the Face Shop Rice Water Cleansing Oil.
Face Mask: Investing in a good face mask, whether it's hydrating (like one with aloe or honey) or detoxifying (like one with clay or charcoal), can offer skin-specific benefits depending on your skin concerns. At the moment, I’ve been loving using the Ishizawa Keana Rice Mask ever since I got back from Japan.
Laneige Lip Sleeping Mask - This rich, leave-on lip mask works wonders overnight, leaving my lips soft, smooth, and moisturised. A lifesaver, especially during the colder months.
Sunscreen (SPF 30 or Higher): Sunscreen is a non-negotiable. Protecting your skin from UV rays prevents premature aging, dark spots, and skin cancer. Invest in a broad-spectrum sunscreen with at least SPF 30. I recommend this sunscreen from La Roche Posay since it’s non-greasy and long-lasting. For convenience, I like using a sunstick from Abib or SKIN1004.
Everyday essentials
Quality Leather Handbag: A sturdy, timeless leather handbag (like a crossbody or tote) is a good investment, as it can carry all your essentials and withstand wear over time. I’ve personally been loving my Coach shoulder bag in chocolate.
Noise-Cancelling Wireless Samsung Earbuds: I use these wireless earbuds every day, whether I'm working, commuting, or relaxing at home. Having tried both AirPods and Samsung earbuds, I personally prefer the Samsung ones because they’re more comfortable and have longer battery life. Plus, they connect seamlessly with both Samsung and Apple devices.
Gold watch: Since I have a petite wrist, I’ve struggled to find an elegant watch. I finally found this gold watch from Rosefield that I’ve been wearing daily.
Samsung Corded Type-C Earphones: Along with my wireless earphones, I always carry a pair of corded ones. Sometimes, I just prefer the simplicity of wired earphones—call me old-fashioned. It’s also practical to have Type-C earphones on hand, so I can easily connect to my laptop or other devices without needing to rely on Bluetooth.
Refillable Portable Perfume Bottles: These are perfect for keeping your favourite scent with you on the go without carrying a full-sized bottle. I love carrying a bottle in my everyday bag and also when I’m travelling. Lately my favourite perfumes have been this one from Chanel.
Utena Matomage Hair Styling Stick: A quick fix for flyaways and frizz, making effortless styling easy. Compact and mess-free, it’s a must-have for polished looks on busy days. This is one product I wish I bought more of in Japan.
Vaseline: A multipurpose essential for hydration, from chapped lips to dry skin. An affordable staple that lasts and always comes in handy.
Owala Water Bottle 24 Oz in Ice Breeze: Insulated and stainless steel, this bottle is my go-to bottle for keeping your drinks refreshingly cold for up to 24 hours.
La Roche-Posay Hand Cream: My hands get extremely dry, especially during the cooler months. This cream soothes redness, smooths roughness, and provides a protective barrier against external aggressors.
Brown hair claw clip - Stylish and practical, it’s my go-to for effortless hair styling. I always either use it to secure my hair or keep it in my bag for the next quick updo.
Rare beauty lip oil - Long-lasting and moisturising, this is my go-to lip oil.
Clothing
Investing in a timeless wardrobe of well-made pieces that can be worn for years helps build confidence and makes getting dressed easier.
White or Blue Button-Down Shirt: A crisp, classic white or blue shirt is versatile and timeless. It can be dressed up with a skirt or trousers or dressed down with jeans for a more casual look. I usually buy my shirts from Uniqlo.
Quality Denim Jeans: A great pair of jeans, whether skinny, straight-leg, or wide-leg, that fits well and flatters your body shape is essential. Look for a high-quality fabric that holds its shape and lasts. I’ve personally been buying my jeans from either Uniqlo, Levi or Rollas and I prefer a wide flared style.
Little Black Dress (LBD): An iconic and timeless piece, the LBD works for almost any occasion, from a night out to a formal event. Opt for one with a simple, classic cut that can be accessorised for different looks. I have been loving this versatile mini dress from Meshki.
Tailored Trousers: Well-fitted trousers can be worn for both work and casual settings. Invest in a neutral pair that can be styled with blouses, shirts, or even casual tees. I usually buy work trousers from Uniqlo, Princess Polly or Musinsa. If you’re just starting to buy trousers, I usually recommend at least a black, navy or grey and beige trousers for a regular rotation. I prefer trousers with a wide pleated look.
Neutral Cardigan or Knit Sweater: A cosy, high-quality cardigan or sweater in a neutral colour is a must-have for layering in colder months. It pairs well with jeans, skirts, or dresses. Colours I wear regularly on rotation for knitwear include beiges, grey, black and white.
Ballet flats or Mary Janes: I’ve been loving these leather Mary Jane ballet flats. What’s lovely about these shoes is that they come with insoles to accommodate narrow feet.
Low heels or Ankle Boots: A versatile pair of low heels or ankle boots in black can be worn to work, out on the town, or on special occasions. Go for a comfortable, classic design that you can wear all day or night. I highly recommend checking out these low heels from Bared Footwear.
Trench Coat or Outerwear: A classic trench coat or high-quality wool coat is ideal for layering during cooler months and can add an elegant touch to any outfit.
Cashmere Sweater or Scarf: Cashmere feels luxurious and lasts longer than regular wool. A soft cashmere sweater or scarf is worth investing in for cosy warmth and long-term wear.
Classic Sneakers: A pair of well-made, stylish sneakers can be worn with almost anything, from dresses to jeans, and offer comfort without sacrificing style. I’ve been using my 574 trainers for over 5 years for daily wear and during my travels.
Maxi Skirt or Dress: A flowy, versatile maxi skirt or dress is perfect for warmer weather or layering in cooler months. It can be dressed up or down for various occasions. My favourite brands for dresses include Uniqlo, VRG GRL and Meshki.
If you want to earn some cashback while shopping online, check out Cash Rewards. It’s an online platform where you get money back on purchases from tons of partnered stores. Just shop through their website or app, and a percentage of what you spend gets credited to your account. It’s free, super easy to use, and a great way to save on your everyday buys.
Bookish items
Kobo Clara e-Reader: A convenient and sustainable way to enjoy books while travelling or commuting. It’s portable, and the e-ink screen is easy on the eyes, reducing the need to carry bulky paper books.
Notebook or Reading Journal: Great for tracking books read, jotting down thoughts, and keeping favourite quotes. I’m loving my 2025 monthly planner from Muji.
Physical books: I’ve always preferred paperback books. While I do have an e-reader, I’ve been limiting my paperback purchases to my favourite authors and books I plan to annotate and make notes in. Here are a few recommendations for physical books that are worth investing in. I’ll share a more extensive list in the coming weeks.
Books worth investing in
Conversations on Love by Natasha Lunn - A deeply personal and thought-provoking exploration of love in all its forms—romantic, platonic, familial, and self-love. Through interviews with writers and experts, Lunn unpacks what makes love fulfilling, complicated, and essential to our lives. It’s the kind of book that makes you reflect on your own relationships and how you give and receive love.
The Idiot by Elif Batuman - A witty and introspective coming-of-age novel following Selin, a Harvard freshman in the ‘90s, as she stumbles through first love, academia, and self-discovery. Told with deadpan humour and sharp observations, it perfectly captures the awkwardness and uncertainty of young adulthood—when everything feels both full of possibility and completely baffling.
Good With Money by Emma Edwards - A refreshingly relatable guide to personal finance for those who feel overwhelmed by money talk. Edwards shares her own journey from financial anxiety to stability, breaking down budgeting, investing, and money mindset shifts in a way that actually makes sense. It feels like getting advice from a friend who’s been there rather than a financial expert throwing jargon at you.
Writers & Lovers by Lily King - A beautifully written novel about Casey, a struggling writer in her early thirties, navigating grief, creative ambition, and romantic uncertainty while working as a waitress. It’s about the messy, in-between phase of life—when you’re chasing a dream but also just trying to survive—and the quiet moments of hope that keep you going.
Miscellaneous
Spotify Premium Subscription: An investment in entertainment and personal growth. It provides access to music, podcasts, and curated playlists that can enrich your daily life, help with focus, and support relaxation. I also love how Spotify offers a variety of audiobooks, including the latest releases as part of their premium subscription.
Adobe Lightroom Subscription: As a photographer and content creator, this is a must-have for me. It provides powerful yet easy-to-use editing tools to enhance photos, whether for personal memories, social media, or professional projects. With cloud storage and mobile access, it’s perfect for anyone looking to elevate their visual storytelling and maintain a cohesive aesthetic.
Money
Credit Card: A useful tool for building credit history, which will be essential when applying for loans or mortgages. Many offer rewards, cash back, or travel points that can benefit you in the long term. If you’re looking to get a credit card, I usually try to find credit cards with the best reward system. I particularly like using a credit card that earns points on airlines.
Emergency Fund: Crucial for financial security. Having 3-6 months of expenses set aside provides peace of mind and a cushion in case of unexpected life events, like job loss or health emergencies.
Investments (ETFs): A smart way to build wealth over time with low fees and diversification. ETFs are an accessible entry point into the stock market, allowing you to invest in various sectors without needing extensive knowledge. If you’re looking to get started in investing, I highly recommend this book. I finished it in one day and felt confident enough to start investing as someone who previously had zero knowledge of the topic.
If you’re looking for a share trading app platform, make sure to check out Pearler to start your investing journey. If you use my referral, you can get a $10 credit reward with Pearler.
Travelling
Travel Insurance: A small cost for significant peace of mind when travelling. It covers unexpected incidents like cancellations, medical emergencies, and lost luggage, preventing major financial setbacks while abroad.
Portable Luggage Weight Scale - Helps avoid costly overweight baggage fees and last-minute repacking at the airport, saving both money and hassle.
Universal Power Adapter - Ensures seamless charging of devices worldwide, preventing the frustration of incompatible outlets while travelling. Instead of buying separate power adaptors, having a universal adapter has saved me money.
Tenba Camera Backpack - Protects valuable camera gear, keeping it safe, organised, and easily accessible, making it essential for photographers and content creators. I love how you can store your valuables at the rear of the bag, providing peace of mind when carrying your technology.
Portable Power Bank - Keeps devices charged on the go, ensuring you’re never stranded without battery life during long days of travel, work, or adventure. I always use this for my travels but also for daily use.
Travel Wise Card - This offers easy access to multiple currencies and avoids high international transaction fees. It simplifies travel budgeting and provides a safe alternative to carrying cash. I used this for my trip to Europe, and I loved how seamless it was to exchange currencies and pay either on my phone or with a physical card.
Luggage Locks - These TSA-approved locks keep my belongings safe and secure, offering peace of mind during transit.
Pacsafe Convertible Crossbody Bag - Stylish yet secure, this bag has anti-theft features that give me peace of mind. Its convertible design makes it versatile for any travel scenario.
Now, it’s your turn! What’s something you’ve spent money on and don’t regret?
In case you missed out..
Here are a few of my most popular posts from these past few weeks loved by you:
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5 articles I found interesting that you should read
weekly media consumption report (books, films, TV shows)
Interesting podcasts to listen to instead of doom-scrolling
Interesting videos you should watch this week
Question of the week answered (submitted by my newsletter subscribers) - Best advice for meeting new people/making friends abroad or in general?
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