Can You Manifest More Money? New Year Money Savings Tips

A new TikTok trend with the hashtag #ManifestMoney is gaining popularity, claiming that daily affirmations and engaging with the videos will help them come into wealth. The idea stems from the belief that positive thinking can bring good fortune, and while some users claim it helps them think more confidently about their future, others say it’s unrealistic and sets false expectations around money.

 Financial expert and venture capitalist, Gayle Jennings-O’Byrne, says these types of money-making trends limit understanding of basic concepts like cash flow, spending behavior, and risk. Instead of waiting for money to “fall into your lap”, she can speak to other trending, proven methods that viewers at home can use to build and grow their finances now: 

• The #100DayEnvelope Challenge: This is an easy, low-stress way to save money by putting aside a small amount every day for 100 days. It helps you build good habits, shows your progress as you go, and makes saving feel doable instead of overwhelming. It’s fun and trendy, but it’s based on real actions—not on hoping money will just appear.

• The 50/30/20 Rule: This budgeting rule helps you organize your money by using 50% for needs, 30% for wants, and 20% for savings and paying off debt. It’s simple to understand, good for beginners, and gives you a clear picture of how to manage your money in a smart and balanced way.

• Treat Savings like an Expense: When you get paid, save 10%. Whenever you earn money—whether it’s a paycheck from work, cash from babysitting, mowing a neighbor’s lawn, shoveling snow, or anything else—set aside 10% to save.