10 TikToks That Will Have You Making Better Money Moves
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
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
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
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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Featured image by Shutterstock
ItGirl 100 Honors Black Women Who Create Culture & Put On For Their Cities
As they say, create the change you want to see in this world, besties. That’s why xoNecole linked up with Hyundai for the inaugural ItGirl 100 List, a celebration of 100 Genzennial women who aren’t afraid to pull up their own seats to the table. Across regions and industries, these women embody the essence of discovering self-value through purpose, honey! They're fierce, they’re ultra-creative, and we know they make their cities proud.
VIEW THE FULL ITGIRL 100 LIST HERE.
Don’t forget to also check out the ItGirl Directory, featuring 50 Black-woman-owned marketing and branding agencies, photographers and videographers, publicists, and more.
THE ITGIRL MEMO
I. An ItGirl puts on for her city and masters her self-worth through purpose.
II. An ItGirl celebrates all the things that make her unique.
III. An ItGirl empowers others to become the best versions of themselves.
IV. An ItGirl leads by example, inspiring others through her actions and integrity.
V. An ItGirl paves the way for authenticity and diversity in all aspects of life.
VI. An ItGirl uses the power of her voice to advocate for positive change in the world.
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This Content Creator’s Journey To Clear Skin Began With Trusting With The Process
In About Face, xoNecole gets the 411 on IGers who give us #skincaregoals on a daily. Here they break down their beauty routines on the inside and out, as well as the highly coveted products that grace their shelves and their skin.
Kyra Joe is the Queen of all things beauty. She regularly lets us in on her beauty routine while sharing updates on her dating life. The content creator debuts flawless skin and aspirational makeup routines in each video. As a consumer, it's easy to assume that Joe has always had the perfect canvas for the beauty world. However, that is not the case.
Like most of us, she's experienced her share of struggles with acne and hyperpigmentation. “I saw a dermatologist when I was 14, and the products he recommended didn’t work because I wasn’t consistent,” Joe said. The responsibility and consistency required of Joe in her adolescence made skincare feel like a job rather than a self-care act.
In 2020, things began to take a pivotal turn for Joe when she found herself regularly consuming skincare TikToks during the pandemic. “I saw people showing me how to use skincare products to get rid of hormonal acne and hyperpigmentation. That made a huge difference for me.” Her enjoyment began to arise as she tried recommended products from her favorite skincare content creators.
Joe added, “I was finally starting to enjoy skincare because I was finding products that worked for me through TikTok. I had undereye patches and creams and began building a routine.” What was once a chore has now become a passion. Joe has since grown an online community of more than 200,000 across TikTok and Instagram, sharing her beauty secrets underneath the moniker Kyra Nikole.
Courtesy
“I learned early on in my journey to keep things simple. I also try to encourage this in my content,” said Joe. Being able to get to the root when a breakout occurs is why Joe chooses and encourages skincare routines to be simple. “If I have a breakout, it’s easier for me to figure out what product causes it if I don’t have an extensive routine.”
Keeping things simple has allowed Joe to clear up her hormonal acne and manage her hyperpigmentation, and keeping things minimal has given Joe a clear canvas for her makeup.
She gave us an inside look into the skincare routine that’s changed her views on self-care:
Kyra Nikole's Daytime Skincare Routine
Step One: Hyper Skin Hyper Even Facewash
Hyper Skin
“I love this because it’s specifically made for hyperpigmentation, and it’s a gentle cleanser.”
Step Two: Pixi Glow Tonic
Pixi
“It’s an exfoliating toner, but it’s light enough to use daily. I use this for both day and night.”
Step Three: Glazing Milk Essence By Rhode Skin
Rhode Skin
“I have eczema and dry skin, so this helps give me the moisture that I need.”
Step Four: La Roche-Posay Moisturizer
La Roche-Posay
“This is just a regular moisturizer that I love because it sits well under my makeup.”
Step Five: Kiehl's Better Screen UV Sunscreen
Kiehl's
"There is no white cast, no peeling, it works under makeup, and it’s SPF 50; there’s nothing better than that!”
Kyra Nikole's Nighttime Skincare Routine:
Joe uses the same products for her nighttime skincare routine, except for sunscreen. Her main goal is to lock in hydration to last the entire evening. Aquaphor is her ointment of choice to ensure her skin gets the moisture it deserves.
Final Step: Aquaphor Healing Ointment
Aquaphor
"Aquaphor does a great job of holding in the moisture.”
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