TikTok isn’t just dance trends and memes anymore. It’s become a go-to platform for young people learning how to manage their money. From clever budgeting tips to breakdowns of investing strategies, a new generation of UK-based creators are making personal finance feel accessible, relevant, and even fun.
TikTok financial creators have become a trusted source of money advice for Gen Z, especially during a cost of living crisis when every pound counts. Young people are more likely to listen to peers who share real-life experiences and relatable success stories rather than traditional experts talking at them. Bite-sized videos break down complex topics into digestible tips on budgeting, saving, and investing, making becoming financially-savvy fun. A recent survey found that over 70 percent of Gen Z now turn to social media for financial guidance, proving that short-form, social-first content can drive real learning and empowerment when budgets are tight.
Mia rose to TikTok fame by demystifying investing for young adults. She breaks down topics like Stocks & Shares ISAs, dollar-cost averaging, and dividend investing in under a minute. On her channel, you’ll find clear tutorials on opening an ISA, choosing ETFs, and building a long-term portfolio, even if you only have £5 to start. During the cost of living crisis, Mia’s practical “what I spent in a day” budgeting videos and earnings breakdowns give real-life context to saving and investing as a 20-something living in London.
Naomi specialises in budgeting hacks tailored for UK rent, grocery, and utility costs. As a recent university graduate, she shares “student money survival” tips, everything from how to use cashback apps to meal-prepping on a £30 weekly budget. Her “payday-to-payday” series shows exactly how she stretches a typical salary, and her “cost-of-living crisis” updates keep followers aware of government support, energy rebates, and rent freezes. If you need step-by-step help on trimming expenses or understanding to switch to a cheaper grocery store, Naomi’s channel has you covered.
Ollie’s niche is helping Gen Z launch side hustles to boost income in an expensive UK economy. He documents how he earned an extra £500 a month through things like reselling limited-edition sneakers, freelance graphic design, and micro-investing tips. His bite-sized “30-second side hustle idea” clips spark creativity: from selling digital prints on Etsy to completing paid surveys. Ollie also interviews fellow hustlers in the UK, giving you a behind-the-scenes look at the effort and returns, so you can decide which gig fits your schedule and goals.
Seeing relatable peers break down budgets, side hustles, and investing makes finance feel less intimidating and more like a lifestyle choice. When you watch someone track every penny or set up a Stocks & Shares ISA with just a few taps, it shows that building healthy money habits early can pay off exponentially down the line. Instead of thinking “finance is boring,” you start to realize that mastering these skills gives you control over your future, whether that’s affording your first flat or hitting that dream holiday without stressing over the bill.
All of the advice you get from TikTok creators becomes even more actionable when you have the right tools to put it into practice. Cino complements budgeting hacks and side-hustle income by making every shared expense crystal clear and hassle-free. When you follow a creator’s tip on splitting bills or clubbing together for groceries, Cino ensures you never have to chase awkward IOUs again. By syncing with any bank, letting you set custom split ratios, and pushing notifications to everyone involved, Cino keeps all group expenses fair and transparent, so you can focus on building wealth, not untangling bills.
Building a “financially fit” feed on TikTok is about more than mindless scrolling: it’s about choosing content that teaches you real skills you can use today. As you follow these creators and put their tips into practice, remember that tools like Cino are there to make everyday money moves smoother. Finance doesn’t have to be a solo chore, it can be a shared journey. So dive into TikTok with purpose, let these creators guide you, and use apps that turn those lessons into action. Your future self will thank you.
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