Moneymaxxing: Just another influencer trend or tried-and-true budgeting tips rebranded?

September 6, 2026 — 5:00am

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As just about anyone with access to social media will tell you, influencers and everyday users love a trend.

Whether it’s posting “ins and outs” lists, embracing a challenge like 75 Hard and tracking your progress each day for people to follow along with, or adopting utterly useless new lingo (ahem, 6-7), platforms are awash with an endless stream of digital crazes.

Among the latest are “maxxing” trends. There are the looksmaxxers, who inject themselves with peptides and smash their jaws with hammers to become better-looking, and those who are chasing the perfect night’s rest in the sleepmaxxing community. The whimsymaxxing folk love to bejewel and bedazzle everyday items to make the world a bit more sparkly, and the proteinmaxxers are, as the name suggests, obsessed with maximising their protein intake. And then there’s the newest entry: “moneymaxxing”.

At its core, moneymaxxing is about, you guessed it, maximising your money and ensuring that every dollar you have to your name is working as hard as it can for you. This can be through small steps like cancelling subscriptions to services you no longer need or use, shopping around to find a cheaper utility provider, selling old clothes on eBay or Facebook Marketplace, or getting better at meal planning and using all the groceries in your pantry every week instead of having to throw out food or order takeaway.

But it can also include other actions like automating payments to ensure you never face late fees on bills, creating a direct debit each payday into an investment account (also known online as “slow saving”), making additional payments to debts in order to clear them faster, or simply putting your savings into a high-interest account........

© The Sydney Morning Herald