What is ‘Loud Budgeting’?

All the Rage

We love to remind you how important a budget is, but it’s not just us. “Loud budgeting” is a new trend on TikTok that encourages people to be more vocal about what does and doesn’t fit into their budget.

The idea is to speak up when you’re unable to pay for something — or simply don’t feel like it — so that you can prioritize your personal financial goals instead of overspending. It primarily applies in social settings, such as going out to dinner, or spending a night out with friends.

Staying Away From the Joneses

In many ways, loud budgeting is the opposite of keeping up with the Joneses because it encourages you to stand by your own financial decisions and goals over those of others.

A key element of loud budgeting is that it’s not just about sticking to a strict budget because you can’t afford to buy things. It’s about consciously choosing how you spend your money. It’s “I don’t want to spend money on this” over “I can’t afford this”.

Finding Community

Loud budgeting can help you find common ground among friends and family with similar financial goals. If you start taking pride in skipping costly dinners, or packing your lunch for work, you just might be surprised by how many of your friends follow suit.

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