No-spend challenges have become all the rage on TikTok, with financial influencers everywhere advocating consumers swear off discretionary spending for a set period of time — typically, a full month.

First, there was No Spend January. Then came Frugal February. The latest iteration? No Buy July.

Many have criticized spending challenges over what they call the promotion of “deprivation culture.” In other words, cutting out all nonessential spending may be unsustainable because it makes people feel deprived — which could further encourage spending binges in the months immediately before and/or after.

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Annamaria Lusardi, director of Stanford University’s Initiative for Financial Decision-Making, told the The New York Times that July is a particularly bad month for a no-spend challenge given summer is often allocated for relaxation. July could be “more challenging than at other, more structured times of the year.”

In general, however, more financial experts support than oppose the practice, regardless of time of year. While Leslie H. Tayne, finance and debt expert and founder of Tayne Law Group, likened No Buy July to a strict diet, she agreed with certified financial planner (CFP) and content director at SuperMoney, Andrew Latham, that No Buy July is more about disruption than deprivation.

“It’s just a month after all,” stated Latham. Some proponents even argue taking up a spend challenge in July is an effective, bi-annual check-in for assessing progress on any financial new year’s resolutions you may have made.

Here are four reasons Tayne and Latham support No Buy July.

No Buy July Helps Consumers Take Inventory of Tiny Expenditures’ Financial Drain

It’s easy to inventory that you spent $2,000 on a new laptop; it’s harder to inventory where the heck the rest of your money went. This is because spending a few dollars on Starbucks lattes and Jamba Juice smoothies every few days may not register as a money suck in the moment — but, over 30 days, all those small purchases add up.

No Buy July helps individuals realize how much more money they would have at the end of every month if they cut back on these tiny expenditures.

“A lot of the time, consumers believe they are only spending a few dollars here and there on unnecessary items, but when they take a moment (or a month in this case) to cut out that spending, it can be eye-opening to see the impact of what feel like small purchases on their finances,” stated Tayne.