30 Viral Money Hacks People Are Actually Using Right Now

With prices rising across groceries, utilities, and everyday essentials, it’s no surprise that social media has become a hub for creative ways to cut costs. From TikTok and Reddit to Instagram and YouTube, people are sharing clever, real-life money hacks that actually work. These tips cover everything from smarter grocery habits and energy savings to DIY alternatives and budgeting tools—and best of all, they’re easy to try. Whether you’re looking to trim your bills, reduce waste, or get more out of your everyday spending, these 30 viral money-saving hacks can help you stretch your dollars without a huge lifestyle overhaul.

Batch Cook and Freeze Meals

Batch cooking is a favorite among frugal living TikTokers. Preparing large portions and freezing meals reduces the temptation to order takeout. It also allows bulk buying, which usually offers lower prices per serving. Prepped meals help minimize food waste and make busy weeknights easier. Users claim it can cut food spending by up to 40% monthly. It’s a time-saver that keeps both your schedule and your budget on track.

Join Buy Nothing or Swap Groups

Local “Buy Nothing” Facebook groups promote community sharing and reuse. Members give away items they no longer need—from furniture to kids’ clothes to electronics. These groups are exploding in popularity as more people try to reduce expenses and waste. Swapping instead of buying new is also gaining traction on Reddit and Nextdoor. It builds community while helping you save. You’d be surprised what people give away for free. It’s a goldmine for savvy savers.

Use a Clothes Drying Rack

Drying clothes on a rack instead of using a dryer can slash your energy bill. The average dryer uses 3-4 kWh per load. Air drying not only saves money but extends the life of your clothes. TikTok creators in small apartments often share space-saving drying hacks. Outdoor lines or retractable racks are inexpensive and easy to use. It’s especially useful during warmer months. Even drying half your loads this way adds up.

Freeze Leftover Herbs in Olive Oil

Instead of tossing unused herbs, freeze them in olive oil using an ice cube tray. This preserves both the flavor and freshness for weeks. When you’re ready to cook, just pop one into a skillet. It saves money on repeated herb purchases. Olive oil also helps herbs retain their nutrients better than water. This hack is especially popular among home cooks on TikTok. It also reduces food waste, which is a hidden money drain in most homes.

Use a Bidet to Cut Toilet Paper Costs

Bidets are making a huge comeback on platforms like Reddit and YouTube. By reducing toilet paper use, families can save hundreds annually. Some attachable models cost less than $40 and install in minutes. They also reduce plumbing issues caused by TP clogs. Studies show households cut TP use by over 70% with bidets. Eco-conscious users also appreciate the environmental benefits. It’s a one-time investment with long-term savings.

Set a 72-Hour Rule for Online Purchases

Impulse buying is a major budget killer, especially with one-click checkouts. The 72-hour rule suggests waiting three days before completing an online purchase. This delay helps curb emotional or impulse-driven spending. Many users report a noticeable drop in regret purchases after adopting this habit. If you still want the item after 72 hours, it’s more likely a need rather than a want. It’s a simple, no-cost tactic gaining popularity on budgeting TikToks.

Wash Clothes in Cold Water

Energy-efficient laundry is trending thanks to TikTok and eco influencers. Most modern detergents are formulated to clean effectively in cold water. Switching can save up to $60 a year in energy costs. It also helps preserve fabric quality, reducing wear and tear over time. Since water heating accounts for about 90% of washing machine energy use, cold washes make a significant impact. It’s a simple, cost-effective habit with long-term benefits.

Cancel Subscriptions with a Budgeting App

Apps like Rocket Money and Trim help users identify and cancel unwanted subscriptions. Many people forget they’re paying for old trials or duplicated services. These tools analyze your spending and send alerts when recurring charges appear. Users report saving hundreds per year just by eliminating forgotten or unnecessary subscriptions. The apps are free or low-cost and easy to set up. It’s a simple but effective way to declutter your finances and take control of your monthly budget.

Buy Generic for Pantry Staples

Social media food influencers often compare name brands with store brands, and in many blind taste tests, generics match or even outperform premium labels. Staples like rice, flour, and canned goods are ideal candidates for these swaps. Choosing generics can save an average of 25% without sacrificing quality. Many generic items are produced in the same facilities as name-brand products. TikTok taste tests have gone viral proving this point. It’s a subtle switch that leads to noticeable savings over time.

Use a Programmable Thermostat

Smart thermostats like Nest and Ecobee help control heating and cooling costs. They learn your schedule and adjust temperatures automatically, optimizing energy use. According to the EPA, they can save up to $180 annually. Many utilities offer rebates for purchasing one, making the upfront cost more affordable. Reddit users frequently share how easy they are to install and how quickly they pay off. It’s a set-it-and-forget-it upgrade with lasting savings.

Switch to Reusable Paper Towels

Cloth “unpaper” towels are trending as eco-friendly alternatives. They’re washable, durable, and often made from upcycled fabrics. The average household spends over $100 a year on disposable towels, making this switch financially smart. Many come in rolls that fit standard dispensers, making them just as convenient. Etsy shops and DIY TikToks have helped popularize the trend. It’s a small change that pays off quickly while reducing household waste.

Borrow Tools from Local Libraries

Tool libraries and community lending programs are gaining traction online. These services let you borrow tools, kitchen gadgets, and more for free or a small fee. It’s perfect for one-time projects like furniture assembly or gardening. Redditors in DIY and FrugalLiving threads highly recommend it. Just check your local library or municipal website. It’s a brilliant way to reduce clutter and save money on items you rarely use.

Use Cashback Extensions

Browser extensions like Rakuten and Honey automatically apply coupons or give cashback on online purchases. These tools are free and work with major retailers, making them easy to use. Users report earning back hundreds annually on purchases they were already planning. Some even stack rewards with store promotions or credit card points. Social media influencers frequently showcase their cashback earnings, boosting their popularity. It’s a passive, effortless way to save while you shop.

Cut Your Own Hair at Home

DIY haircuts became popular during the pandemic and continue to be a favorite money-saving hack. YouTube and TikTok tutorials provide easy-to-follow guides for all hair types, making it easier than ever to trim or style at home. With a basic set of clippers or scissors, you can avoid salon prices that range from $30 to $100 or more. Many users save hundreds annually by learning simple cuts for themselves or their family members. The key is to start with small, manageable trims and follow instructions carefully. It’s a time-efficient way to keep your hair in check without the salon bill.

Use a Capsule Wardrobe

A capsule wardrobe focuses on versatile, mix-and-match basics, allowing you to create numerous outfits from a small collection of clothing. This minimalist approach reduces the need to constantly buy new clothes, saving you money in the long run. Fashion influencers on TikTok and Instagram often showcase their capsule wardrobes, highlighting key pieces that can be worn year-round. It also curbs impulse purchases by encouraging intentional shopping. By investing in high-quality items, you can extend the lifespan of your clothes. The capsule wardrobe trend is a sustainable way to save both money and time while staying stylish.

Refill Cleaning Products at Bulk Stores

Many eco-friendly stores now offer refill stations for cleaners and detergents, allowing you to bring your own bottles and pay only for the contents. This can save you 30-50% compared to buying new bottles each time. The refill trend is gaining popularity among zero-waste communities and is frequently shared on platforms like Instagram. It’s an effective way to reduce both packaging waste and household expenses. Popular products like all-purpose cleaners, dish soap, and laundry detergent are often available for refills. Just search for “refill stations near me” or check out local bulk stores for more details.

Unplug Phantom Energy Devices

Devices plugged in but not in use still draw power, known as “phantom” or “vampire” energy. Smart power strips or simply unplugging electronics when not in use can save you up to $100 annually. Items like chargers, TVs, and microwaves are common culprits. This simple hack has been proven effective in energy audits. Smart plugs can even be programmed to turn off automatically at night. It’s a small effort with surprisingly significant savings on your energy bill.

Use the Envelope Budgeting System (Digitally)

The envelope budgeting method has been modernized with apps like Goodbudget and YNAB, which help users divide their funds into digital “envelopes” for different categories. This method allows for better financial discipline by pre-assigning money for specific purposes, making it easier to stick to a budget. It’s particularly effective in curbing impulse spending and keeping track of monthly expenses. Many TikTok users recommend this system for paying off debt or saving for big goals. The apps are simple to use, and you can track multiple categories at once. It’s a great way to visualize and control your spending without the need for physical cash.

DIY Household Products with Pantry Staples

People are turning to DIY cleaning solutions using ingredients like vinegar, baking soda, and lemon juice. These cost just pennies and are often as effective as store-bought brands. Tutorials on Instagram and Pinterest provide tested recipes. You can make all-purpose cleaners, air fresheners, and even laundry detergent. This reduces exposure to harsh chemicals and cuts packaging waste. Families save hundreds a year this way. It’s a perfect blend of frugal and eco-friendly.

Wait for “Discount Days” to Shop

Retailers often have specific days when they mark down certain items. For example, Target is known to discount clothing on Mondays and electronics on Wednesdays. Social media communities share insider schedules for major stores. Apps like Flipp help track these weekly sales. Planning your shopping around these days maximizes your savings. You get the same items at a fraction of the cost. It’s a smart habit with minimal effort.

Grow Your Own Herbs or Veggies

Even if you don’t have a yard, windowsill gardens are booming on TikTok and Instagram. Herbs like basil, parsley, and mint grow well in small pots indoors. A single plant can save you $10-$50 over a season. It’s a fun, low-maintenance hobby with tasty results. Gardening influencers often post tutorials and budget setups for under $20. It also reduces food waste since you harvest only what you need. It’s a long-term investment that pays off every time you cook.

Turn Gift Cards into Budget Tools

Instead of using your credit card for discretionary spending, load a set amount onto a gift card. This prevents overspending while still allowing for flexibility. Many TikTok finance creators recommend this for dining out, entertainment, or shopping. Some retailers even offer bonuses when buying gift cards in bulk. It’s a modern twist on the envelope system. Once the card is empty, you’re done spending for the month. It’s surprisingly effective for keeping habits in check.

Negotiate Monthly Bills Annually

Many people don’t realize you can negotiate your internet, phone, or cable bills. Calling once a year to ask for new promotions or threaten to cancel often results in discounts. Reddit’s r/Frugal and YouTube channels are full of negotiation scripts that work. Some people report savings of $20-$100 per month. It takes just 15 minutes and can save hundreds annually. Loyalty rarely pays—but negotiation does. It’s a no-brainer if you don’t mind being a little assertive.

Use the “Pantry Challenge” Method

This challenge, popular on Instagram and frugal blogs, encourages you to cook only from your pantry and freezer for 1-2 weeks. It forces creativity and prevents food from expiring unused. Many users discover they can delay a grocery run and still eat well. It’s also a great way to reset your budget mid-month. Creators often post their recipes and progress for inspiration. It saves money while reducing food waste. You’ll probably find items you forgot you had.

Stack Store and Manufacturer Coupons

Extreme couponing is alive and well—just more digital now. Apps like Ibotta, Coupons.com, and store-specific apps let you stack manufacturer and store coupons. TikTokers often showcase how they save 50% or more on groceries. It takes a bit of planning but yields big returns. You can even combine these with cashback extensions. Some stores still accept printed coupons, too. It’s one of the oldest tricks in the book—modernized for mobile users.