"Once TikTok figures out that you're trying to save money, you'll start to see hack after hack, and each one will seem more viral than the next. There are tips out there for starting a budget, sticking to a budget, putting more money into savings, and preventing unnecessary purchases, like last-minute lattes and late-night clothing hauls. It can be tough to sift through them all, but a few do stand out - and I tried three of the best."
"When I look at my spending habits, most of my money goes to rent and groceries - two must-haves, obviously - but a good chunk also goes to snacks, pricy oat milk matchas, and cute trinkets I want but probably don't need. I always tell myself I should cut back on random spending, not only as a way to prevent overconsumption but also to send a little bit more money into my savings account. You know, for a rainy day."
Three viral budgeting hacks—notes app, loud budgeting, and the "last digit" method—were tried over a week to evaluate whether they reduce impulse purchases and boost savings. Spending heavily favors rent and groceries while discretionary funds flow to snacks, specialty drinks, and small nonessential items. The notes app hack asks users to log desired purchases in a three-column table (Item / Date / Cost) instead of buying immediately, then total the costs at the end of the savings period. The notes app particularly suits impulse shoppers who buy during sales or viral moments. Expert tips accompany the experiments.
Read at Bustle
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