There's a growing movement — spreading on social media and in online forums — against overconsumption and clutter: It's the “no-buy” challenge.

💡 Why it matters: Americans have way too much stuff. At the same time, credit card debt topped $1 trillion for the first time last year. Delinquencies are on the rise.

• The no-buy movement offers tips, support and community for those trying to shake the habit of spending more and more money — and accumulating more and more stuff.

How it works: People are challenging themselves to go for a period of time — often a year — without buying anything non-essential, AP reports.

• That means no new clothes, shoes or gadgets — and, sometimes, no vacations or pricey dinners out.

The challenge is spreading. There are Reddit groups with tens of thousands of members and viral creators on TikTok live-blogging about their experiences.

👀 Zoom in: If you want to take on the challenge, whether for a month or a year, here are some tips AP collected from people who are doing it.

1. Hone in on weaknesses. Maybe you cook your meals at home, but are frequently shopping for new clothes. Or you rarely shop, but love eating out. Figure out what kind of excessive spending you need to target.
2. Unfollow, unfollow, unfollow. One key driver of overconsumption is the rise of influencer marketing. We're inundated with content showing people buying and trying new products — and telling us to buy them too. Quit the apps that tempt you.
3. Give yourself grace. Just like with any resolution, there will be ups and downs. If you slip up and make a purchase you've sworn off, take a moment and reset. Maybe you can even return it!

Thanks to all the readers who sent us stunning shots from their Memorial Day weekends. Here's one from Mark Furst, taken while he got ready for full-moon kayaking across Lake Koshkonong in Wisconsin.