{"id":593749,"date":"2026-08-15T05:04:18","date_gmt":"2026-08-15T05:04:18","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/593749\/"},"modified":"2026-08-15T05:04:18","modified_gmt":"2026-08-15T05:04:18","slug":"tiktoker-shares-simple-money-saving-tips","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/593749\/","title":{"rendered":"TikToker Shares Simple Money-Saving Tips"},"content":{"rendered":"

\u201cIt\u2019s not about not spending anything, but it\u2019s about focusing on things that bring you joy and that bring value for you and your family.\u201d That\u2019s the philosophy driving Katia Chesnok, a mother of four who has mastered TikTok\u2019s viral \u201cmoneymaxxing\u201d trend that promotes practicing better financial habits<\/a>, such as cutting expenses and earning high interest on savings. Now, she\u2019s sharing the exact playbook that transformed her finances with her over 40,000 followers!<\/p>\n

With summer winding down, there\u2019s no better time to reset your wallet. Here are some of her most insightful secrets to help level up your money starting right now.<\/p>\n

Disciplined Spending<\/p>\n

TikToker Katia Chesnok (@economikat) dropped a reality check about the one daily habit standing between you and real savings.<\/p>\n

\u201cYour life will change when you stop buying more junk,\u201d she said. \u201cYou do not need more stuff. Look at your garage, look at your closets, look at your whole house\u2014it\u2019s full of junk. Once I realized that all the clutter I was buying used to be money\u2026 and once you realize that, your life will change.\u201d<\/p>\n

Related: How to Budget Like a Boss: Finance Expert Shares Money Tips for Black Americans<\/a><\/p>\n

5 Things That Are Not Worth Your Money<\/p>\n

In a July TikTok video, Chesnok listed five things you shouldn\u2019t spend your money on. First up: an iPad. \u201cAt this point, you\u2019re only using the iPad to play games,\u201d she said. Also included on that list are daily trips to Starbucks: \u201cHow are you paying eight dollars\u2014 a day\u2014when you can make your own coffee at home for cents every single day?\u201d<\/p>\n

She also named Kylie Cosmetics, the iRobot vacuum, and \u201canything Alo or Lululemon, especially if you\u2019re paying $200, $300 for a hoodie. It\u2019s not worth the money.\u201d<\/p>\n

Shop Your Home First<\/p>\n

When you feel the urge to go shopping, Chesnok suggests looking around your home first. <\/p>\n

\u201cThis is a reminder that you do not need anything from Walmart today,\u201d she said in an \u201cUnpopular Opinion\u201d TikTok last month. \u201cYou do not need anything from Aldi today. You do not need anything from Trader Joe\u2019s today. You are just bored, and you don\u2019t need more stuff. Go shop your pantry.\u201d<\/p>\n

If you are bored, however, her advice is simple: go for a walk<\/a>!<\/p>\n

The \u201cWorth Every Penny\u201d List<\/p>\n

While she is quick to call out overhyped products and impulse buys, she isn\u2019t against spending money where it counts, and she\u2019s naming names in a follow-up video.<\/p>\n

\u201cToyota vehicles, a Breville coffee machine, going to the dentist, Costco executive membership, ETFs [exchange-traded funds], Olay moisturizers and serum, Brita water filter, a walking pad, and a library card,\u201d she specified.<\/p>\n

Low Buying Challenge<\/p>\n

\"\"Screenshot: economikat\/TikTok<\/p>\n

In July, she created a low-buying challenge, encouraging followers to not \u201cbuy useless stuff,\u201d but spend intentionally on things that make you happy because, according to Chesnek, \u201cit\u2019s all about a healthy balance.\u201d<\/p>\n

During the month-long challenge, she shared that she cooks simple meals at home at least five days a week, wait a full day before buying anything (aside from necessities), have three no-spend days every week, and for that dopamine hit, take a walk or just go outdoors.<\/p>\n

How to Start Saving More Money<\/p>\n

One of the simplest ways to save, according to Chesnek, is to make your money work harder by opening a high-yield savings account (HYSA).<\/p>\n

\u201cIf you don\u2019t have a HYSA in 2026, what are you even doing? You need to have a HYSA because they pay you higher interest rates than a regular savings account,\u201d she said, adding that anything you want to buy online can wait. \u201cThe longer you wait, the more you will be sure that it\u2019s not an impulse purchase. And actually, 50% of the time when you wait at least 24 hours, you end up not buying the item.\u201d<\/p>\n

She also advised viewers to stop doomscrolling, the compulsive habit of endlessly watching negative news and distressing content on your phone. \u201cI noticed the longer I doom scroll, the more temptations I have. So limit your doomscrolling and get busy,\u201d she said.<\/p>\n

Finally, she encouraged followers to take care of their health and clean their living space, noting that when you do, \u201cyou will bring more abundance to your life.\u201d She added, \u201cIf you take care of things you already have, you will wait longer to buy new things.\u201d<\/p>\n

Straight From \"The<\/p>\n

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