Listen, I was slow to board the TikTok train, but I eventually had to hop on. I mean, you can't help but get sucked into watching the ridiculous dances and hilarious skits, whether you have an account or you see them on your Instagram feed. I especially love the ones that are super-relatable, include useful hacks or how-tos, and cover issues we all deal with—particularly those related to money.
These top 10 Tiktok stars are Black women who are great at teaching all of us how to get, keep, and increase our coins. Ain't nothing funny about being broke, but their videos will either help you forget about that rent laughing at your bank account balance or give you some tips you can actually use to defeat your money problems for good. (And hey, sis, if you really love TikToks and want to see more of these, share and comment below. We might just make this a recurring feature.)
1. Melissa of Millennial In Debt
@millennialindebt Intro post: I paid off 102,000 in student loans in 5 years. Then one month later I closed on my first home! 😱 ##personalfinance ##freshprince ##fyp
♬ original sound - Millennial In Debt
She got rid of more than $100,000 in debt and closed on her first home, all on a teacher's salary. The founder of Millennial in Debt calls herself the "Beyonce of Personal Finance" and helps millennials get a handle on their money via her YouTube channel, webinars, and coaching sessions. Yep. Say no more.
2. Carmen of Make Real Cents
@makerealcents How subscription emails be... ##unsubscribe
♬ Hi - Challan dang
Yet another TikTok that tries and convicts my poor overspending, Amazon Prime-loving, just-buy-it, spendaholic self. Carmen is also founder of Budget Better, a resource for people to find ways to make budgeting a priority, and she provides info via her social sites on investing and financial fitness.
3. Tonya Rapley of My Fab Finance
@tonya.rapley It’s the small stuf y’all. The small stuff adds up but blame it on the tooth fairy.
♬ drama effect background - Not Me
She's an OG money expert, entrepreneur, and founder of My Fab Finance, an education and lifestyle platform that helps millennials reach their personal finance goals. Tonya Rapley has been in the game helping thousands via workshops, speaking engagements, and coaching for more than a decade. Her TikToks (and many of her IG Reels) break down topics like debt reduction and budgeting in a way that puts simplicity and credibility at the forefront.
4. Bola of Clever Girl Finance
@clevergirlfinance Simplify your finances by keeping your bills organized!##learnontiktok ##tiktokpartner ##personalfinance
♬ GOTTA GO - Benny Boy
Clever Girl Finance gives you quick hits on hacks for the usual adult chores (like handling bills), and Bola addresses topics many of us struggle with on the daily. You'll feel a tad less guilty and more empowered to make some changes watching her fun and peaceful videos.
5. Clarissa AKA "The Budget Queen"
@budgetqueen_blog One of the biggest myths I’ve heard about budgeting. 🔗Click the link in my bio to get the FREE Worksheet. ##budgeting ##budgettips ##moneytoks #
♬ Berleezy thats some bs - kay
You know that favorite cousin or auntie who will snatch your debit card away after a day of shopping or invite you to her house for a meal afterward so you won't eat out for the fifth time in a week? Clarissa is that woman. Her keep-it-real videos are hilariously informative and make the thought of the dreaded b-word a lot less, well, dreadful.
6. Dannie of Pennies to Wealth
@penniestowealth The steps I took to become debt free when married. ##moneytiktok ##debtfreejourney ##debtfreecommunity ##personalfinance ##budgeting
♬ Steven Universe - L.Dre
Sis was able to conquer $130,000 in debt, and we all know Uncle Sam (or Sallie Mae) doesn't play about that money owed. Dannie offers financial fitness coaching via her platform, Pennies to Wealth, and she's full of resources to get your money right. Her videos are cute, quick and to the point, but cover major impact.
7. Nika of Debt Free Gonna Be
@debtfreegonnabe My budget be so fed up with me 🤣##debtfreejourney ##financetiktok ##debtfreecommunity ##budgeting ##moneytoks ##groupchat
♬ original sound - Nika
I swear the video above perfectly depicts the love-hate relationship my budget and I have had over the years. Nika also offers, through her platform, worksheets, step-by-step tips, and other useful downloadable resources to address budgeting and debt-reduction for all of us who need that extra push in the organization department.
8. Bitch I'm Budgeting
@bitchimbudgeting Having debt aint it!! ##greenscreen ##neneleaks ##debtfreejourney ##moneytips ##personalfinance
♬ original sound - Randy Perry
The great thing about following this journey is that she's dead set in the middle of it, so you'll feel like you have a friend who's pretty much going through some of the same money issues as you are. She's a special education teacher whose goal is to get rid of $19,000 in debt by the end of 2021. Go 'head sis! We're right there with you!
9. Cinneah of Flynanced
@flynanced Bestie bussitchallenge
♬ Buss It - Erica Banks
If the name doesn't do it, the travel hacks for saving money will. I love flying out affordably while still having an upgraded experience, and her TikToks don't fail when giving the tea on how to do just that. Her platform also empowers millennials to build wealth through travel.
10. Coupon Queen T
@couponqueent I Am NOT A HOARDER. Freaky girl coupon remix ##fyp ##couponqueent ##stockpile ##WIP ##myhobby
♬ original sound - Coupon Queen T
Who doesn't like the euphoric feeling of walking out of a store with 10 bags of groceries that only set you back 20 bucks? I mean, who? Who? I swear this woman's videos might have you literally holding up the line at your favorite market just to make sure all the discounts were taken off properly, and with no shame to boot. She's a wife and mother who literally takes couponing to a whole 'nother level.
Read more money mindset conversations in xoNecole's "Money Talks" series here.
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