In a world where social media flaunts lavish lifestyles and influencers promote endless consumption, it can feel like spending is unavoidable. But there’s a movement quietly rising—a new approach to personal finance that’s making noise for all the right reasons. It’s called loud budgeting.
Loud budgeting, a term coined by TikToker Lukas Battles, is more than just a financial trend. It’s a declaration—a way to be unapologetically clear about your financial priorities.
One of the biggest challenges in managing money is the constant social pressure to spend. According to a 2023 report, 40% of Americans admit to overspending to impress others. Whether it’s group dinners, extravagant vacations, or the fear of missing out—society often makes it hard to stay true to financial goals.
For millennials, the situation is even more intense. 67% experience FOMO—the fear of missing out—when they see their friends’ purchases on social media. And this often leads to impulsive spending on non-essentials.
This is where loud budgeting steps in. It empowers you to say “no” without guilt and puts control back in your hands. It’s not just about limiting spending; it’s about prioritizing your long-term goals over short-term gratification.
In fact, 62% of people avoid talking about money, even with those closest to them—family, friends, and spouse (average). Loud budgeting breaks this silence, encouraging transparency and accountability.
But loud budgeting isn’t only about saying “no.” It’s about reframing how you view budgeting altogether. Instead of thinking, “I can’t afford it,” shift your mindset to “I’m choosing not to spend.” This powerful change turns budgeting from a chore into a conscious act of empowerment.
Getting started with loud budgeting is simple, but it requires clarity and confidence. Here’s how you can bring this method into your everyday life:
Define Your Goals. Whether you’re paying off debt or saving for a dream home, knowing why you’re budgeting will keep you motivated.
Communicate Openly. Be upfront with friends and family about your spending boundaries. You don’t have to overshare—just express that you’re working toward something bigger.
Replace FOMO with JOMO—the Joy of Missing Out. Every time you skip a night out or decline an expensive invite, celebrate the progress you’re making toward financial freedom.
Loud budgeting works in countless situations. Dining out? Order appetizers instead of a full meal. Planning a vacation? Suggest a more affordable option. Considering a concert? Opt for local, budget-friendly events instead. These small adjustments, if made correctly, help you maintain a rich social life without derailing your financial goals.
