When it comes to major purchases—like homes, cars, or travel—people are thinking differently than they used to. Rising costs, shifting priorities, and new tools are all playing a role. Here are seven trends that are quietly changing how people approach their biggest financial decisions.
Rising Interest Rates
Higher interest rates are making people pause before financing big purchases. Monthly payments for things like cars, homes, and even appliances are a lot steeper than they were just a couple of years ago. Buyers are holding off, shopping around more, or choosing less expensive options to avoid taking on too much long-term debt.
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“Wait and See” Home Buying
Instead of rushing to buy, many would-be homeowners are hitting pause. With home prices still high and mortgage rates fluctuating, people are waiting for better conditions—or rethinking if buying makes sense right now. Some are choosing to rent longer or buy smaller, more affordable homes to stay flexible.
Used Is Becoming the First Option
From furniture to electronics to cars, more people are starting with secondhand options. Quality used items can be hundreds—or even thousands—cheaper than new. As prices keep rising, shoppers are less concerned about having the latest and more focused on finding the best value.
Smaller, Simpler Weddings
Weddings are still important, but the price tag isn’t what it used to be. Many couples are cutting costs by shrinking guest lists, skipping extras, or choosing casual venues. The focus is shifting from impressing guests to celebrating in a way that actually fits their budget.
More Focus on Resale Value
People are thinking ahead before making big purchases—especially with cars, tech, or even high-end baby gear. They’re asking, “Will this hold its value?” If something can be resold later, it feels like a smarter investment. This mindset is making buyers more intentional and less impulsive.
Using AI and Apps Before Buying
Before spending big, shoppers are turning to AI tools, comparison apps, and browser extensions to check reviews, find better deals, or spot hidden fees. This extra step is helping people feel more confident—and more cautious—before clicking “buy” on anything expensive.
Prioritizing Flexibility Over Ownership
More people are choosing experiences or rentals over big, long-term commitments. They’re renting tools, cars, or vacation homes instead of buying, or paying for subscriptions that give them access without the responsibility. It’s not about being cheap—it’s about staying flexible and avoiding financial stress.
Big Decisions Are Getting Smarter
These shifts aren’t about giving things up—they’re about rethinking what’s actually worth the money. As people adjust to new prices and tools, they’re finding ways to spend more intentionally and avoid regrets later. Big purchases may still happen, but they’re coming with more thought and fewer surprises.
I’m a Costco Fanatic: Here are 9 Things I’m Stocking Up on Before Prices Spike
Inflation has kept everything more expensive for years now, and even Costco isn’t immune to necessary price hikes. While they’ve kept things somewhat affordable, higher costs and competition are still at play. To save money, it’s a good idea to stock up on essentials now before prices increase even more. Here are nine things I’m grabbing to stay prepared. I’m a Costco Fanatic: Here are 9 Things I’m Stocking Up on Before Prices Spike