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It's so hard to make sense of money. One second, you're intent on saving; the next, you've somehow blown through an entire paycheck.

The internet's chock full of folks offering financial advice. And the information can be helpful. It can also be dangerous since not everyone has your best interests in mind. The best advice about financial advice is to be careful who you trust.

Mashable previously listed some of the savvy TikTok finance accounts that appear to have their audience's best interests in mind. But with the internet overflowing with financial tips, we also thought it'd be helpful to share some of the better advice we've seen. Here are four of the most useful money suggestions:

SEE ALSO: 4 savvy finance accounts to follow on TikTok 1. Negotiate your big expenses

This is a major tenant of Vivian Tu, also known as @YourRichBFF. Medical bills, the price of your car, your home purchase — try to get the number down, Tu advises. Getting a discount on a big bill has a much bigger, immediate effect than, say, cutting back on groceries.

"It's pretty normal to be able to say, 'I got my home $50,000 under asking,'" Tu recently told Yahoo. "Do you know how many lattes you need to not drink to save $50,000? Just put on your big boy or big girl pants for 10 seconds, have that uncomfortable conversation, and really, really work on negotiating."

One of Tu's videos discussing negotiating medical bills has racked up more than 2 million views.

2. Build an emergency fund before doing anything else

Stuff happens. Being ready for that stuff really matters. Tori Dunlap of @herfirst100k recommends building up three months of living expenses in a high yield savings account before even paying off debt. Her reasoning is that it helps prevent you from going into further debt during an emergency and it'll help you mentally to have something saved for a rainy day.

3. Keep an impulse list

Michela Allocca runs the TikTok account @BreakYourBudget which primarily focuses on helping folks create and keep a budget. Allocca noted they keep a list of things they'd like to impulse buy, which they return to at a later date. That helps you determine if you actually want or need something.

4. Loud budgeting

It can be awkward to tell friends "no" because you want to keep to your budget. TikTok creator Lukas Battle coined the idea of "loud budgeting" where you openly state you want to avoid purchasing something because of the cost.

"It's not, 'I don't have enough.' It's, 'I don't want to spend,'" Battle said in a viral TikTok.

It's a somewhat radical idea that you can be more open about money and be frank about what is worth your hard-earned dollar.

The idea behind all these tips, really, is to be more mindful about money. Taking care of your finances can feel so unwieldy and impossible, but the best advice makes it more manageable.

More than 20 Department of Government Efficiency ("DOGE") employees resigned Tuesday (Feb. 25), saying they would no longer aid in leader Elon Musk's technological overhaul of federal services.

The group — made up of technologists previously employed at digital giants like Google and Amazon — comprised about one-third of the U.S. Digital Service, the government office subsumed and rebranded as DOGE by Musk following President Donald Trump's instatement. Musk previously fired around 40 digital service staffers after taking over the office.

SEE ALSO: Grok blocked sources accusing Elon Musk of spreading misinformation

The remaining members posted their call to action as part of WeTheBuilders, a recently-launched collective and website created by current and public federal workers who decry Trump's federal efficiency plans and share inside stories about DOGE's overhaul. The group calls themselves "The official resistance team of the U.S. Digital Service."

"We swore to serve the American people and uphold our oath to the Constitution across presidential administrations. However, it has become clear that we can no longer honor those commitments... We will not use our skills as technologists to compromise core government systems, jeopardize Americans’ sensitive data, or dismantle critical public services. We will not lend our expertise to carry out or legitimize DOGE’s actions," wrote the Digital Service employees in a joint resignation letter to Trump's chief of staff, obtained by the Associated Press. "These actions are not compatible with the mission we joined the United States Digital Service to carry out: to deliver better services to the American people through technology and design."

💪💻 We are the Builders. #altUSDS #wethebuilders @apnews.com

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— Alt US Digital Service (@altusds.bsky.social) February 25, 2025 at 12:30 PM

According to the employees, unaffiliated White House visitors who refused to identify themselves entered the Digital Services offices in January, aggressively interviewing current employees about their political stances and expertise, while hinting at Musk's overhaul. Digital Services staff said those actions, and more, presented an alarming breach of security protocol. "DOGE’s actions — firing technical experts, mishandling sensitive data and breaking critical systems — contradict their stated mission of ‘modernizing federal technology and software to maximize governmental efficiency and productivity," they wrote.

Last week, Musk sent out a mass email (and statement via social media platform X) to federal workers, telling them that they needed to send a documented report of all the work they had accomplished over the last work week or effectively resign from their positions. The Office of Personnel Management, the federal government's human resources department, announced yesterday that response to the email is "voluntary."

The White House quickly responded to the DOGE resignations, dismissing the group's criticisms. "Anyone who thinks protests, lawsuits, and lawfare will deter President Trump must have been sleeping under a rock for the past several years," said White House press secretary Karoline Leavitt. "President Trump will not be deterred from delivering on the promises he made to make our federal government more efficient and more accountable to the hardworking American taxpayers."