Things I thought were normal...

@fionamoneydiary

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SoundTikTok sound · original sound - sped_up_audiosss0

Promoted product

Klarnaklarna.com

Klarna is a buy now, pay later service that allows customers to finance purchases, including a program for leasing Apple products like iPhones.

11 videos10 creators

Why it worked

The post resonated with viewers by highlighting relatable, everyday spending habits that can lead to financial strain, framed in a non-judgmental and encouraging way. The use of personal anecdotes and a clear call to action for those on a similar journey fostered engagement.

Summary

The creator shares several common spending habits that they realized were contributing to their financial struggles, such as using Klarna, shopping on Vinted, and impulse buying. The post encourages viewers who are also trying to improve their financial habits to follow along.

Structure

1Introduction to habits that kept the creator "skint"
2Realization about Klarna's impact on debt
3Discussion of late-night Vinted shopping during maternity leave

Original caption

This was me before I realised it wasn’t one big purchase keeping me skint… it was the little habits I’d stopped noticing 💸

More from @fionamoneydiary

Product placement

Klarna: it ACTS as a payment method, allowing users to make purchases and pay later. Removing it would change the context of the debt cycle. Vinted: it ACTS as a marketplace for buying and selling second-hand clothes. Removing it would change the context of the spending habits. Adidas: it APPEARS as a logo on the trousers. Removing it would not change what happens in the video.

Call to action

Follow if you feel like you're trying to get better with money... without giving up every little thing that makes life enjoyable

On-screen text

Things I thought were normal... but were actually keeping me skint Thinking Klarna made things affordable when it just kept me stuck in a cycle of debt Shopping on Vinted late at night when I was bored during maternity leave (I was spending upwards of £100 a month..A LOT when you're in SMP) Doing a "small" top up shop every other day My algorithms bombarding me with clothes hauls 24/7 Buying things to make myself feel better.. Then feeling worse when the payment left my account Follow if you feel like you're trying to get better with money... without giving up every little thing that makes life enjoyable ",