The popular social media challenge meant to rein in needless purchases will backfire in the long run, says Erin Lowry for Bloomberg Opinion. NEW YORK: A couple weeks into a new year and the shine of “ new year, new you ” has started to dim – but one personal finance trend, “No Buy 2025,” has taken hold for millennials and Gen Z on social media. Whether it’s in response to a few years of post-pandemic “revenge spending” or just balancing the books after the holidays, people are locking down