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Helping you get smarter with money so you can build more freedom, reduce financial stress, and have more time for what matters.
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What they write about
Short personal-finance listicles on earning more, saving and money habits. Recurring features include numbered skill and habit lists, a curated savings report, and five-day money challenges built around a single measurable result.
- personal finance
- saving
- income growth
- money habits
- budgeting
Recent examples: 7 Signs You're Underpaid · 9 Ways To Make Your Grocery Budget Go Further
Written from Money Tips Money Hacks’s own published post titles and openings in Sep 11, 2026. It describes the subjects the newsletter covers, not its views, and is not investment advice.
Growth history
Subscribers (thousands, nightly)
228K on Sep 10, 2026 → 133K on Oct 21, 2026
Followers (thousands, nightly)
Rank in Substack’s finance leaderboard: #15 today · #14 a week ago · #15 a month ago
Stats worth sharing
Tracked since Sep 10, 2026 — 62 daily snapshots so far. The card below is built from what we track and refreshes nightly.
- Percentile
- Top 3%
- Best rank seen
- #13
- Rank, 7 days
- −1 place
- Followers added
- −47K
- Posts
- 11
- Reactions per post
- 31
- Reactions tracked
- 1.1K
of 525 ranked finance newsletters
on Nov 8, 2026
since tracking began
last 30 days
average, recent posts
across 36 posts
Most-reacted post we have seen: 8 Money Ideas That Change Everything — 56 reactions on Aug 25, 2026.
Recent posts
- 7 Signs You're Underpaid
Sponsored by Silvia Make Smarter Money Decisions Meet Silvia , the AI agent custom-built for managing your personal finances. Connect your accounts, investments, and assets in one place to unlock personalized financial insights without compromising your privacy. Join 20,000+ investors who have connected $60 billion of assets to Silvia . Get started for free I want to start with a reframe I use often: your salary is a historical document. It records what your employer believed you were worth on the day they hired you, plus a series of small annual adjustments that track inflation more closely…
- 9 Ways To Make Your Grocery Budget Go Further
When I teach people how to stretch a grocery budget, I start with the receipt. It records one number, and it happens to be the less useful one. Your receipt shows what left your account at checkout. It says nothing about the half bag of spinach that turned to liquid in the crisper, the yogurt that expired behind the milk, or the chicken thighs that sat until Thursday and then went in the trash. Food you paid for and never ate still counts against your budget. It just hides inside the total. The number I want you watching is what I call your eaten cost: what you spent, measured against what…
- 7 Ways To Feel Richer On The Same Pay
Your net worth can rise for three straight years without you feeling a single dollar of it. I see this constantly in my work. The balance grows. The debt shrinks. And on an ordinary Wednesday, the person I’m talking with still moves through life like someone one surprise away from trouble, skipping the good coffee and bracing. That gap costs more than a lot of people realize. How rich you feel shapes how you spend. When you feel deprived long enough, you eventually pay to make the feeling stop: the impulse order, the weekend splurge, the “I deserve this” purchase that arrives in a burst after…
- 8 Skills Employers Will Pay More For Next Year
Today’s edition is brought to you by Silvia ! Make Smarter Money Decisions Meet Silvia , the AI agent custom-built for managing your personal finances. Connect your accounts, investments, and assets in one place to unlock personalized financial insights without compromising your privacy. Join 20,000+ investors who have connected $60 billion of assets to Silvia . Get started for free Next year’s raises won’t go to the people who learned the most this year. They’ll go to the people whose value was easiest to price. I know that’s uncomfortable to hear. It means skill and earning power are two…
- 9 Times Being Frugal Costs You More
I’ve spent years helping people untangle their relationship with money, and here’s a pattern I see again and again: frugality keeps excellent records of what it saves and almost none of what it spends to get there. You notice the $6 discount. The hour it took, the takeout order three days later, and the repair that doubled while you waited all land somewhere else, under a different heading, on a different day. None of them gets charged back to the decision that caused it. That gap is where I watch careful people lose money, often right when they feel most in control. I call it cost…
- 8 Ways To Read Your Credit Card Bill Smarter
Your credit card statement was designed by the company that issued it, and its layout reflects that. The largest numbers on the page answer one question: What do you need to pay to stay in good standing with us? That’s a useful question for the bank. It isn’t the most useful question for you. The questions that matter more to you are also answered on the page, just in smaller print. What is this debt costing you? What does your spending say about how you actually behave? How much of next month is already gone before it arrives? A credit card statement is really three documents stapled…
- 7 Ways To Become Someone Work Needs
You are paid for what you produce. You are kept for what it would cost to lose you. These are two different numbers, and they don’t always move together. Someone can do excellent work and still be easy to replace. Their output is clean, nothing depends on them, and nothing breaks when they leave. Someone else can do solid, unremarkable work and be very hard to let go, because losing them would mean months of confusion, a strained client relationship, and a manager rebuilding what used to run smoothly. The second number matters more than it looks. It shapes who stays off the layoff list, whose…
- 8 Money Ideas That Make Every Month Easier
A month rarely feels hard because of its total. In my experience teaching people about money, it feels hard because of where the pressure lands. I hear this all the time: “I earn enough. I don’t overspend. So why am I doing arithmetic the last week of every month?” You check your balance before buying gas. You time the grocery run around payday. You wonder whether a charge will clear before the deposit does. I want you to know that this mental math has a real cost. It drains your attention, and drained attention leads to worse financial decisions. I call those pressure points the seams of…
- 9 Money Habits That Feel Responsible But Aren't
Every money habit you have was once an answer. I tell readers this all the time, because it changes how they look at their own rules. At some point you faced a specific problem: a balance that scared you, a cushion that felt too thin, a purchase you regretted. You built a rule that fixed it. The rule worked, so you kept it. What I rarely see is the second look. Income grows, obligations shift, and the rule keeps running on instructions written for an earlier life. It still feels responsible because it once was. I think of it as a habit’s half-life. A good rule is strongest the day you adopt…
- 8 Things People Who Keep Getting Raises Do Differently
The person who works hardest on your team is often the cheapest one to keep. I know that sounds cynical. It isn’t. It’s how pricing works, and as a financial educator, I want you to see your salary the way your employer does. Your salary isn’t a scorecard for effort. It’s a price, and prices move on two things: information and alternatives. Your company pays what it believes your work is worth and what it believes it would cost to lose you. Effort that never changes either belief barely touches your pay. I care about this because your salary compounds. Every future raise is a percentage of…
- 9 Things Your Bank Statement Is Telling You
Your budget describes the person you plan to be. Your bank statement describes the person who actually showed up: at 9:40 p.m., tired, three days before payday. I’ve looked at a lot of bank statements over the years, and here’s what I’ve learned: they don’t record intentions or context. They record behavior, timestamped. Yet most people open them for one reason only, to confirm nothing looks fraudulent. I think that misses what statements do best. I don’t see a statement as a report card on your discipline. I see it as closer to a medical chart, a record of patterns that point to underlying…
- 8 Money Moves That Create More Security
The Hidden Savings Report — This week’s curated savings opportunities could help you keep an estimated $170–$317 more of your income. Paying members can find the latest offers from Amazon, Walmart, Target, Instacart, CVS, Walgreens, Safeway, Kroger, and Aldi below. Financial insecurity rarely shows up as a shortage of money. It shows up as a shortage of time. The furnace fails in January. A layoff notice arrives on a Tuesday. A hospital calls and asks who holds power of attorney. In each case the cost hurts, but the larger problem is that you’re now making an expensive decision quickly…
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Data: Substack public leaderboards and publication archives, refreshed nightly, plus public beehiiv sitemaps and recommendation pages, refreshed weekly. Source for this page: Money Tips Money Hacks. Subscriber counts are Substack’s own rounded public figures, so week-on-week changes move in steps. beehiiv audience sizes are self-reported by the publisher and are not verified. Last snapshot: Nov 10, 2026.