> Rachel Holdsworth, a part-time nurse and stay-at-home mom, came across no-buy videos around the holidays. Holdsworth wanted to pay off her family’s $10,000 cr

> Rachel Holdsworth, a part-time nurse and stay-at-home mom, came across no-buy videos around the holidays. Holdsworth wanted to pay off her family’s $10,000 credit-card debt. The 28-year old and her husband, Macy, also wanted to stop living paycheck to paycheck How do you get $10k in credit card debt?!? I've gotten up to $4k at one point, but I was using my credit card to pay my college's tuition payment plan. > Marissa Huertas-Crespo, a 25-year-old financial analyst has done what she calls “low buys” over several years. Whenever she sees something she likes, she takes a screenshot of the item, puts it in a folder on her computer and—at the end of each month—deletes anything she hasn’t thought about. At the end of every quarter, she’ll allow herself to buy something from this folder with money she set aside in a savings account. That's a smart strategy.