# ![@mtray_ Avatar](https://lunarcrush.com/gi/w:26/cr:tiktok::7445072734638343200.png) @mtray_ MT RAY

MT RAY posts on TikTok about money, budgeting, finance, mazda the most. They currently have [-----] followers and [--] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/tiktok::7445072734638343200/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7445072734638343200/c:line/m:interactions.svg)

- [--] Week [---------] +740%
- [--] Month [---------] +558%
- [--] Months [---------] +662,160%
- [--] Year [---------] +36,198%

### Mentions: [--] [#](/creator/tiktok::7445072734638343200/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7445072734638343200/c:line/m:posts_active.svg)

- [--] Week [--] +340%
- [--] Month [--] +450%
- [--] Months [--] +2,100%
- [--] Year [--] +2,200%

### Followers: [-----] [#](/creator/tiktok::7445072734638343200/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7445072734638343200/c:line/m:followers.svg)

- [--] Week [-----] +24%
- [--] Month [-----] +83%

### CreatorRank: [-------] [#](/creator/tiktok::7445072734638343200/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:tiktok::7445072734638343200/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [automotive brands](/list/automotive-brands)  [formula 1](/list/formula-1)  #1076

**Social topic influence**
[money](/topic/money) #4242, [budgeting](/topic/budgeting) #2444, [finance](/topic/finance) #1652, [mazda](/topic/mazda) #80, [pay](/topic/pay), [mercedes](/topic/mercedes) #535, [future](/topic/future) #2054, [you dont](/topic/you-dont), [clarity](/topic/clarity), [reduce](/topic/reduce)

**Top accounts mentioned or mentioned by**
[@misskevine](/creator/undefined) [@nia](/creator/undefined)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Replying to @MissKevine Thank you for the love on my first post It has encouraged me to continue documenting my journey🙏🏾. Feel free to share any advice or ask questions in the comment section #catsitter #catsitterlife #catinaflat"  
[TikTok Link](https://www.tiktok.com/@mtray_/video/7453543114549071136)  2024-12-28T19:14Z [---] followers, [----] engagements


"Replying to @Nia Booktok 📖🎧🥀🪽🩺❄🩶 Thank you all for the love on my recent video. Ive answered the most common questions while cleaning my room 🥰🫧"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7581216293383228694)  2025-12-07T20:31Z [--] followers, [----] engagements


"These [--] money habits have truly transformed my finances since Ive been educated myself about personal finance #personalfinance #money #finance #budgeting"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7581943687278546198)  2025-12-09T19:33Z [--] followers, [----] engagements


"It was a relatively low spend week until it got to Saturday haha. But it was a planned friends xmas day and Id do it all over again 🥰🫶🏾🎄 #budgeting #personalfinance #money #spenchallenge"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7583801742589054230)  2025-12-14T19:44Z [----] followers, 13.5K engagements


"You dont have to completely cut things out but instead spend more intentionally and have a realistic budget #Budgeting #PersonalFinance #money #finance If youre also trying to spend more intentionally make sure to give me a follow If youre also trying to spend more intentionally make sure to give me a follow"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7590863546959826198)  2026-01-02T20:27Z [----] followers, [----] engagements


"I started budgeting for clarity not restriction. Earning more helps but managing it with intention matters too #Budgeting #PersonalFinance #money #finance #carfinancing #moneytok"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7591237817435524374)  2026-01-03T20:39Z [----] followers, [----] engagements


"Financing a car taught me a lot about money. Im that person who has to learn things the hard way🫣😂 #Budgeting #PersonalFinance #money #finance #moneytok #carfinancing"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7595689705136540950)  2026-01-15T20:35Z [----] followers, [----] engagements


"I cant believe it took me this long to realise how comfy pyjamas are 😌🧸Im willing to invest in a good quality set #pyjamas #pyjamaset #markandspencer"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7596055421857680662)  2026-01-16T20:14Z [----] followers, [----] engagements


"Interest adds up over period of time. Making overpayments helps to reduce the amount you pay. The tracker I used is linked in my bio #Budgeting #PersonalFinance #money #finance #moneytok #carfinancing #interest"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7597877272145677590)  2026-01-21T18:04Z [----] followers, [----] engagements


"These are my favourite cashback and reward cards that Ive personally used #cashback #creditcard #avios #nectar #PersonalFinance #moneytok [--]. Quidco [--]. Chase debit cashback [--]. Barclays avios credit card [--]. Amex nectar card Favourite cash back and reward cards 💳 Favourite cash back and reward cards 💳"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7600504455980682518)  2026-01-28T19:59Z [----] followers, [----] engagements


"Its not about having more clothes but making better choices with the ones you buy #capsulewardrobe #vinted #zara #woolcoat #fashion #clothes My vinted staple purchases My vinted staple purchases"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7601635782046076163)  2026-01-31T21:09Z [----] followers, [----] engagements


"Car insurance is not cheap Since I started paying for it annually theres no going back The cashback and rewards are linked in my bio #quidco #cashback #creditcard #PersonalFinance #moneytok #financetok #Budgeting #money #finance"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7602696216006118678)  2026-02-03T17:44Z [----] followers, [----] engagements


"Lifestlye inflation is real. Nobody teaches you this part of adulting. When earning more the aim should be to keep your expenses low especially when wanting to build wealth #PersonalFinance #moneytok #financetok #money #adulthood"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7604935741268856086)  2026-02-09T18:34Z [----] followers, [----] engagements


"This year I decided to get rid of my mercedes. It was holding me back financially The amount I spent on the finance was digusting. I know the salesman is still laughing till this day 🤣 But we live and learn. Next car I buy will be cash #Budgeting #PersonalFinance #money #carfinancing"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7588635663700921622)  2025-12-27T20:22Z [----] followers, 168.3K engagements


"Crazy how [----] was just from interest alone🤯. Very grateful to have got out of my car finance agreement. It taught me a huge lesson #Budgeting #PersonalFinance #money #carfinancing If youre trying to get your finances together too make sure to give me a follow If youre trying to get your finances together too make sure to give me a follow"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7588995144662256918)  2025-12-28T19:37Z [----] followers, 651.8K engagements


"Step by step process of my unaffordability complaint for my car finance #Budgeting #carfinancing #PersonalFinance #money My experience - not financial advice (get ready to screenshot) My experience - not financial advice (get ready to screenshot)"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7589745358045990166)  2025-12-30T20:08Z [----] followers, 44.6K engagements


"My car search journey has been a struggle Im hoping to find the right car very soon 🙏🏾 #Budgeting #PersonalFinance #money #finance #moneytok #buyingacar"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7593047514710871318)  2026-01-08T17:42Z [----] followers, 41.4K engagements


"Payday week is when I put away a chunk of money towards my new car. Also thank God for sinking funds thats how I managed to pay for the AA car inspection 😅🙏🏾 #Budgeting #PersonalFinance #money #finance #moneytok #buyingacar #spenchallenge"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7593429274510724375)  2026-01-09T18:23Z [----] followers, 16.3K engagements


"I went down the PCP route when I decided to finance my car. I didnt consider the long term costs #Budgeting #PersonalFinance #money #finance #money #moneytok #finance #carfinancing"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7594583310127385878)  2026-01-12T21:02Z [----] followers, 350.7K engagements


"We got there in the end after [--] months of searching Ive finally bought a car😅🙏🏾 #newcar #mazda #mazda2 #buynewcar #moneytok Come and collect my new car with me Come and collect my new car with me"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7599015601402694934)  2026-01-24T19:41Z [----] followers, 63.8K engagements


"Im so glad that I downgraded my car the flashy things no longer excite me. Ive learned from my mistake educated myself on personal finance and my priority now is to focus on my future #carfinancing #financetok #PersonalFinance #Budgeting #moneytok #money #finance"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7600136731404291350)  2026-01-27T20:12Z [----] followers, 115.1K engagements


"I grew up with little financial education. It was an expensive mistake Ive educated myself and now focused on building a secure future for myself #PersonalFinance #moneytok #financetok #money #carfinancing Swallowing my pride and downgrading from a 30k Mercedes to a 7k Mazda was the best financial decision Ive made 😅💸 Swallowing my pride and downgrading from a 30k Mercedes to a 7k Mazda was the best financial decision Ive made 😅💸"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7603812261223795990)  2026-02-06T17:55Z [----] followers, 1.2M engagements


"One thing Ill hapilly spend money on is clothes but I shop on a budget and with intention. Ive been able to rebuild my wardrobe by doing just that. Theres no need for huge clothing hauls. Slow and steady always #PersonalFinance #clothing #fashion #moneytok #financetok #wadrobebuilding"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7605663297165184278)  2026-02-11T17:38Z [----] followers, [---] engagements


"This year I decided to get rid of my mercedes. It was holding me back financially The amount I spent on the finance was digusting. I know the salesman is still laughing till this day 🤣 But we live and learn. Next car I buy will be cash #Budgeting #PersonalFinance #money #carfinancing"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7588635663700921622)  2025-12-27T20:22Z [----] followers, 168.3K engagements


"Crazy how [----] was just from interest alone🤯. Very grateful to have got out of my car finance agreement. It taught me a huge lesson #Budgeting #PersonalFinance #money #carfinancing If youre trying to get your finances together too make sure to give me a follow If youre trying to get your finances together too make sure to give me a follow"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7588995144662256918)  2025-12-28T19:37Z [----] followers, 651.8K engagements


"I went down the PCP route when I decided to finance my car. I didnt consider the long term costs #Budgeting #PersonalFinance #money #finance #money #moneytok #finance #carfinancing"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7594583310127385878)  2026-01-12T21:02Z [----] followers, 350.7K engagements


"Come and stock my new Mazda with me Any recommendations on what else I can put inside of my car #mazda2 #mazda #stockcar #newcar #hatchback Come and stock my new Mazda [--] with me🚘🤍 Come and stock my new Mazda [--] with me🚘🤍"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7606794666033450262)  2026-02-14T18:48Z [----] followers, [----] engagements


"One thing Ill hapilly spend money on is clothes but I shop on a budget and with intention. Ive been able to rebuild my wardrobe by doing just that. Theres no need for huge clothing hauls. Slow and steady always #PersonalFinance #clothing #fashion #moneytok #financetok #wadrobebuilding"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7605663297165184278)  2026-02-11T17:38Z [----] followers, [---] engagements


"Lifestlye inflation is real. Nobody teaches you this part of adulting. When earning more the aim should be to keep your expenses low especially when wanting to build wealth #PersonalFinance #moneytok #financetok #money #adulthood"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7604935741268856086)  2026-02-09T18:34Z [----] followers, [----] engagements


"I grew up with little financial education. It was an expensive mistake Ive educated myself and now focused on building a secure future for myself #PersonalFinance #moneytok #financetok #money #carfinancing Swallowing my pride and downgrading from a 30k Mercedes to a 7k Mazda was the best financial decision Ive made 😅💸 Swallowing my pride and downgrading from a 30k Mercedes to a 7k Mazda was the best financial decision Ive made 😅💸"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7603812261223795990)  2026-02-06T17:55Z [----] followers, 1.2M engagements


"Car insurance is not cheap Since I started paying for it annually theres no going back The cashback and rewards are linked in my bio #quidco #cashback #creditcard #PersonalFinance #moneytok #financetok #Budgeting #money #finance"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7602696216006118678)  2026-02-03T17:44Z [----] followers, [----] engagements


"Its not about having more clothes but making better choices with the ones you buy #capsulewardrobe #vinted #zara #woolcoat #fashion #clothes My vinted staple purchases My vinted staple purchases"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7601635782046076163)  2026-01-31T21:09Z [----] followers, [----] engagements


"These are my favourite cashback and reward cards that Ive personally used #cashback #creditcard #avios #nectar #PersonalFinance #moneytok [--]. Quidco [--]. Chase debit cashback [--]. Barclays avios credit card [--]. Amex nectar card Favourite cash back and reward cards 💳 Favourite cash back and reward cards 💳"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7600504455980682518)  2026-01-28T19:59Z [----] followers, [----] engagements


"Im so glad that I downgraded my car the flashy things no longer excite me. Ive learned from my mistake educated myself on personal finance and my priority now is to focus on my future #carfinancing #financetok #PersonalFinance #Budgeting #moneytok #money #finance"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7600136731404291350)  2026-01-27T20:12Z [----] followers, 115.1K engagements


"We got there in the end after [--] months of searching Ive finally bought a car😅🙏🏾 #newcar #mazda #mazda2 #buynewcar #moneytok Come and collect my new car with me Come and collect my new car with me"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7599015601402694934)  2026-01-24T19:41Z [----] followers, 63.8K engagements


"Interest adds up over period of time. Making overpayments helps to reduce the amount you pay. The tracker I used is linked in my bio #Budgeting #PersonalFinance #money #finance #moneytok #carfinancing #interest"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7597877272145677590)  2026-01-21T18:04Z [----] followers, [----] engagements


"I cant believe it took me this long to realise how comfy pyjamas are 😌🧸Im willing to invest in a good quality set #pyjamas #pyjamaset #markandspencer"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7596055421857680662)  2026-01-16T20:14Z [----] followers, [----] engagements


"Financing a car taught me a lot about money. Im that person who has to learn things the hard way🫣😂 #Budgeting #PersonalFinance #money #finance #moneytok #carfinancing"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7595689705136540950)  2026-01-15T20:35Z [----] followers, [----] engagements


"Payday week is when I put away a chunk of money towards my new car. Also thank God for sinking funds thats how I managed to pay for the AA car inspection 😅🙏🏾 #Budgeting #PersonalFinance #money #finance #moneytok #buyingacar #spenchallenge"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7593429274510724375)  2026-01-09T18:23Z [----] followers, 16.3K engagements


"My car search journey has been a struggle Im hoping to find the right car very soon 🙏🏾 #Budgeting #PersonalFinance #money #finance #moneytok #buyingacar"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7593047514710871318)  2026-01-08T17:42Z [----] followers, 41.4K engagements


"I started budgeting for clarity not restriction. Earning more helps but managing it with intention matters too #Budgeting #PersonalFinance #money #finance #carfinancing #moneytok"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7591237817435524374)  2026-01-03T20:39Z [----] followers, [----] engagements


"You dont have to completely cut things out but instead spend more intentionally and have a realistic budget #Budgeting #PersonalFinance #money #finance If youre also trying to spend more intentionally make sure to give me a follow If youre also trying to spend more intentionally make sure to give me a follow"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7590863546959826198)  2026-01-02T20:27Z [----] followers, [----] engagements


"Step by step process of my unaffordability complaint for my car finance #Budgeting #carfinancing #PersonalFinance #money My experience - not financial advice (get ready to screenshot) My experience - not financial advice (get ready to screenshot)"  
[TikTok Link](https://www.tiktok.com/@adultingwithmt/video/7589745358045990166)  2025-12-30T20:08Z [----] followers, 44.6K engagements

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