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What On Earth is "Loud Budgeting"?

Mon Jun 03 2024

What is Loud Budgeting?

Loud budgeting is all about being open and honest about how much money you have and where it's going. It's about ditching the shame and secrecy around finances and speaking up about your spending habits and priorities.

As Lukas Battle, the TikToker who popularized the term, explains, "It's not 'I don't have enough,' it's 'I don't want to spend.'" This mindset shift encourages you to take control of your money and make intentional choices about where it goes, instead of mindlessly spending to keep up with others.

Why Loud Budget Now?

If you've been feeling the pinch of rising prices lately, you're not alone. Inflation in the US hit 3.4% in 2023, making essentials like gas, rent, and groceries way more expensive. In times like these, being on top of your finances is crucial.

Loud budgeting gives you a way to take charge of your money and focus on what truly matters to you. By being upfront about your financial situation and priorities, you can ditch the pressure to spend beyond your means and make choices that align with your values and goals.

The Loud Budgeting Movement

This candid money talk isn't just happening on TikTok – it's sparking a wave of openness and financial literacy across social media. Influencers and creators are sharing budgeting tips, debt payoff journeys, and wealth-building strategies, making personal finance more accessible and relatable than ever before.

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This fun yet educational trend has prompted a wave of influencers to openly share their insights and advice on personal finance. This candid discussion of money matters on social media platforms has exposed an entire generation to better financial practices, fostering improved financial literacy among young audiences. By openly discussing budgeting strategies, debt management, and wealth-building principles, these influencers are demystifying personal finance and making it more accessible to their followers.

By joining the loud budgeting movement, you can improve your money management skills, learn from others' experiences, and feel empowered to take control of your financial future.

Principles of Loud Budgeting


Living within your means - figure out how much money is coming in each month, and work backwards to understand your spending limits


Speak up about your financial goals


Pay your future self: Keep money in an emergency fund, and set aside investments for retirement

In this context, loud budgeting provides a platform for people to take control of their finances and prioritize their financial well-being.

By openly discussing their financial situations and advocating for their priorities, people can navigate the challenges posed by rising costs and find ways to achieve their financial goals.

This increase in transparency and honesty about our personal financial situations also creates a level of accountability, which helps us be more successful in achieving our goals. Those who are close to us can become our cheerleaders, and may even adjust their own behaviours and actions, such as deciding on where we should go for dinner, to help us better reach our financial goals.

Actions to Take

Joining "buy nothing" groups: some people practicing loud budgeting have joined community groups where people share or give away items for free instead of buying new things. This helps reduce unnecessary spending
Finding deals and coupons: save money by couponing, finding deals, and cutting expenses like eating out less and cancelling gym memberships.
Advocate for your needs: Openly discuss financial situations and advocate for your spending priorities, rather than feeling pressured to overspend.
Keep track of spending: Utilize a budgeting app to keep track of spending, and understand areas for spending improvement

Embracing Loud Budgeting for a Brighter Financial Future

Ultimately, the loud budgeting revolution is a call to action – a call to break the silence surrounding personal finances and embrace a more open and honest dialogue. By joining this movement, individuals can learn from the experiences of others, share their own financial journeys, and contribute to a community that empowers and uplifts one another on the path to financial well-being.

In a world where financial literacy is increasingly essential, the loud budgeting movement represents a powerful shift towards greater financial education and empowerment. Embrace the revolution, get loud about your budget, and join the movement that is transforming the way we perceive and manage our finances.

Want to Join the Loud Budgeting Movement?

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