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10 Genius Money Hacks We Snagged From TikTok

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Learning about money can be stressful. From knowing how to save (and spend!) to leaning how to invest and nail down your budget, there’s always a lot to learn when it comes to managing your moolah.

We’ve rounded up some helpful advice and tips that will leave you feeling confident about money — and soon enough you’ll be well on your way to feeling financially literate. Check out these easy money hacks from TikTok.

Related: The 20 richest K-pop stars, according to net worth.

Don’t live above your means

From having a good mindset to living below your means, these are some useful tips on how to save money that anyone can do. Simple things like transferring extra money to your savings account can go a long way!

@aliciaskyewrightHow I like to save and manage what’s coming in 🙌🏻💰 ##ausfinance ##savingstips ##personalfinance ##fyp ##moneyshift ##mindset ##financialgoal♬ Home – Edith Whiskers

Related: How to start managing your money after landing your first job.

Try a budget book

Have you ever thought about getting a budget book? While tracking your expenses on an app is fine, sometimes having something physical to look at can help you stay on track of your spending.

@spencer.barbosa5 money tips for teens 💰 check out @step today! #getstep #moneytok #finance #investing #steppartner♬ original sound – spencer barbosa🧚🏻

Related: Financial money debt trends: mistakes we’re making that dig us deeper in the hole.

Eliminate guilt over spending

Don’t feel guilty about spending money! We’ve all had those moments where we feel a pang of guilt whenever we swipe our credit cards. This TikTok explains why it’s alright to buy things from time to time.

@herfirst100k#ad Spending $ on stuff you love > spending on stuff you don’t. You might ❤️ @MintApp #budgeting #moneytips #debtfree #savemoney #mindfulness #debt♬ Bird (Instrumental) – BLVKSHP

Related: The best credit cards of 2021.

Learn about different account types

There are several different types of banking accounts out there. Not sure which ones will help you divvy up your money? Look no further than this useful advice from @millennial_coach.

@millennial_coachWhat accounts u should have!! #moneycoach #budgeting #savingmoney #moneytips♬ original sound – Millennial Coach 💸

Related: These remote side hustles help make you extra cash from home.

Head for the sale rack

While these tips for saving money may seem simple, sometimes we all could use a reminder on the easy things we can do to keep a few extra bucks in our wallets. Not buying clothes that are full price seems like a no-brainer, but sometimes hearing someone else say it just puts things into perspective.

@itscelestasave money by spending more money🤪 #financetips #handbag #shopaholic #treatyourself #savemoneytips #BoseAllOut♬ Jazz – Aylior

Related: 10 best websites for making money off your used clothes.


Calculate your emergency fund

Everyone should have an emergency fund. Whether you have a big unexpected bill, a medical expense, or you get laid off from your job, calculating what you need to get through a rough spot is super important. This easy math helps you to break it all down.

@inspiredbudgetHow much you need in your emergency fund #emergencyfund #savemoney #savingmoneytips #savingmoney #momonabudget #budgetmom #budgettips #budget♬ original sound – Allison Baggerly

Related: 7 ways to invest $100 and grow it to $1000.

Negotiate, negotiate, negotiate

Knowing to negotiate a new phone plan or internet package can save you lots of money every single year, but we don’t always remember to do small things like that. Next time you switch providers, make a note to strike a deal with these tips from @investwithqueenie.

@investwithqueenie3 money saving tips ☺️ #savemoney #savingmoneytips #howtosavemoney #moneytok #moneysavingtips♬ She Share Story (for Vlog) – 山口夕依

Related: This is how to master a no-spend month.

Share some expenses with your partner

You might be married or in a long-term relationship, but that doesn’t mean you need to share every single expense. These useful strategies for figuring out which things to share the costs on are super handy, especially if you and your partner constantly fight about money.

@theavocadotoastbudgetHere’s how me and my partner navigate finances and having BOTH a joint account and separate accounts! #moneytips #budgeting101♬ original sound – Money Tips | Lexa | The ATB

Related: How to break up without going broke.

Learn the budgeting basics

If you’ve never heard of the 50/30/20 rule, you’ll be questioning why no one ever taught it to you in school. Luckily, @tempahtime explains it with ease so you’ll be able to implement it the next time you create a budget.

@tempahtime#personalfinance #personalfinancetips #financetips #moneyadvice #savingmoney #budgetingtips #teen #money♬ Steven Universe – L.Dre

Related: This is how to save money while working from home.

Use a fun number trick to save money

Saving money can feel like such a hassle, but this fun trick somehow makes it easy to save so that you’ll never even feel money going into your savings account. Talk about a painless way to save!

@budgetbrojoeEasy way to #savemoney fast. You’ll barely feel it! #finance #saving #learnontiktok #moneysavingtip #creativefinance #money #tiktok #fyp #moneytips #3♬ Saving Money Quick and Easy – Budget Bros Podcast

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