Life insurance is a smart move when you have people in your life who depend on you financially.Read more
I stopped buying clothes. Here’s what I learned.
Cutting out buying new clothes could seriously help your budget—and the planet.
If you can, think back to a far-away place: Earth, circa December 2019. It feels like a long time ago, but back then, the most urgent global crisis was the growing impact of climate change. The nation’s economy was robust, and the only epidemic was that of consumerism.
Right now, many of us are longing to go out and support the community by shopping or dining out. But back then, those were the kind of things many of us vowed to cut back on in the coming year. Indeed, my new year’s resolutions included a simple vow: During 2020, I wouldn’t buy any clothes.
For some, this might not seem like that big of a challenge—perhaps you are the type of person who loathes clothes shopping, which in turn means you generally limit yourself to stocking the occasional much-needed replacement for your underwear drawer. That’s not me. I worked for years in fashion or fashion-adjacent media, and have long enjoyed both the craft and the aesthetic of clothing. As one designer says, quoting the legendary clotheshorse (and two-sport athlete) Deion Sanders: When you look good, you feel good. When you feel good, you play good. And when you play good, they pay good. Dressing well helped me feel better about myself, and I truly believe that in turn helped me succeed in my career.
But a lot has changed in the past few years. I moved to a warmer, more casual city. I began working from home more than half the time (and eventually, 100% of the time). I had kids, who tend to have zero compunction about running up to you and hugging your legs no matter how much spaghetti sauce is smeared across their crimson cheeks. I went from having a dependable corporate job to freelancing, which, when combined with the cost of child care, meant my income became more feast-or-famine. So while I didn’t habitually have bespoke three-piece suits in my closet or anything—I’m not a dandy—it stopped making sense to wear expensive trousers or sports coats for an audience of zero, on a ninety-degree day, with messy children to take care of.
And yet, the clothing habit remained hard to kick. The final straw was reading an interview with Patagonia founder Yvon Chouinard, who pointed out that while it’s great to buy an electric car, it’s better for the environment to drive your current car until the wheels fall off. Essentially, the environmental cost of manufacturing a new automobile is greater than whatever damage your current car is doing. (You can also take steps like driving less, etc.) I also came to the grips with the reality that a dollar spent on a new sweater was a dollar I couldn’t save for, say, a family vacation or my child’s education. And so, I vowed to spend a year not buying clothes. (After stocking up on a few essentials, of course.)
Here’s what I’ve learned since I stopped buying new clothes.
The definition of clothes is flexible
Do shoes count as clothes? It would violate the spirit of the resolution if I were to drop a few hundred dollars on, say, a pair of suede wingtips. But what about functional footwear, like hiking boots or running shoes? I decided to classify some wearable items as “tools,” and gave them an exemption to my policy. That said, I try to use that rarely (and so far, I haven’t used it at all). My baseline is this: If I need something wearable to participate in an activity, it’s allowed. So if someone invites me to hike up a mountain, I can get boots. But if someone invites me to a black tie gala—which, much to my surprise, actually happened—I need to make it work with the clothes I already have.
I’m saving money
After so many years in the industry, I have a decent sense of what specific clothing items cost and why. If you’re spending five bucks on a t-shirt, chances are, you might not be comfortable with how that t-shirt was made. (Let’s just say the human beings who make the shirt probably don’t have a lot of protections in the workplace.) And while it isn’t always the case, a higher price usually correlates to higher quality. Between wanting good value for myself, and not wanting to contribute to the environmental glut caused by fast / disposable fashion, I have been trying to buy fewer, better things for a few years. (Marie Kondo would be so proud.) This has been good for both my wardrobe and perhaps the planet, but not so much for my bottom line.
This is some serious back-of-the-envelope math, and your mileage will vary based on your personal budget and tastes, but the average American spends $150 per month on clothes. I would estimate I average spending (and now, saving) more, though not much more, than that. Some investment advisors would suggest I put that money immediately into savings, perhaps automatically via an app. This additional liquidity from clothing savings turns out to be extra-useful given the state of the world right now. (In ordinary times, though, I would have earmarked for an unofficial vacation fund.)
I still look good (Or at least my wife hasn’t said otherwise.)
It turns out that Deion Sanders’ adage still applies, and you don’t actually have to buy new clothes to embody it. I’m doing what fashion experts call shopping my closet—digging out old stuff I haven’t worn in a while and finding new ways to wear them. I’m also paying attention to the things I just don’t wear that often and am putting them in a separate pile to be donated or sold on a resale site. (Another nice cash boost in uncertain times.) I still don’t want to give up on my suits, because you never know. But that button-down shirt with the playful all-over tiger print? It had a good run, but it’s time for someone else to rock it in a way I never quite could.
I’ve ended global warming (Ok, not yet, but …)
According to Sustain Your Style, a German nonprofit that studies fashion’s impact on the environment, the clothing industry is the second-biggest polluter in the world. Much of that pollution is water-based—for example, textile factories dumping toxic wastewater into rivers. The clothing industry supposedly generates between 8 and 10 percent of global emissions, all while producing between 80 and 150 billion garments annually. (If the higher number is accurate, that means each of the world’s roughly 7.53 billion people could get 20 new items annually.) But as a recent report from Vox shows, quantifying the impact of fashion on the environment is borderline impossible. Many of the numbers I’ve just cited are based on dubious research and reportage, though few dispute the general reality that manufacturing and discarding clothes has a negative impact on the planet.
Fashion is cyclical, we all get that. That’s how the same brands can get you to buy new pants (or jackets, or shirts) year after year after year. But if you step back, you’ll see how wasteful, even harmful, it really is. And not just to the planet, but to those of us who inhabit it—while that mean average is roughly 20 garments per year per person, the reality is that, wealth inequality being what it is, the fortunate few are likely buying up far more than that, while those in need are going without.
So, is giving up buying new clothes for a year right for you? I’ll be honest: I’m hesitant to recommend it right now, just because there are so many wonderful small, independent clothiers who could use your business. (Perhaps not coincidentally, those same brands are often the most forward-thinking in terms of planet-minded innovation, whether coming up with fabrics made from recycled plastic or greener ways of washing and dyeing their clothing.)
That said, if you are looking for an easy way to save money, while also doing a small favor to the planet, it’s a great place to start. And you don’t have to wait for New Year’s 2021, either. Earth Day makes a perfect time to start.
About Louis Wilson
Louis Wilson is a freelance writer whose work has appeared in a wide array of publications, both online and in print. He often writes about travel, sports, popular culture, men’s fashion and grooming, and more. He lives in Austin, Texas, where he has developed an unbridled passion for breakfast tacos, with his wife and two children.Read more by Louis Wilson
Our editorial policy
Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our editorial policy
Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.
Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.
Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.
Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.
MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.
Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus.html
What our customers are saying
Jan 21, 2021
The process to get my policy was almost…
The process to get my policy was almost flawless. Correspondence was done in a timely manner. I like the fact I didn’t have to wait days for a response.
Jan 21, 2021
Really good expérience no spam calls
Really good experience buying life Insurance almost entirely online and phone call free. Had to do one phone call to schedule exam but besides that, the entire process was annoyance free and completely online which is preferred.
Jan 13, 2021
The application process was very easy.
Jan 13, 2021
Very affordable, I gathered quotes from 4 different life insurance companies and this was by far the least expensive for the same coverage. Relatively quick and easy process to sign up. Only reservation was that we were originally under the impression that no medical exams are required, but my husband received a message that he would have to get one (we later received a message that he no longer needed one).
–Louie Sread more at
Jan 13, 2021
My only concern was with the company...
My only concern was with the company used (Exam One) to complete my physical examination. The process took too long due to rescheduling and mishandling of my lab specimens. Other than that the process was simple.