Loud budgeting is a new TikTok trend that emerged in 2024.
Its about empowering people to be vocal about theirfinancial goals and feel no shame in turning down invites.
Never heard of loud budgeting?
Well explore how this TikTok finance trend works below.
Well also offer some loud budgeting tips and other ideas on ways to save money.
Drowning in Expenses?
Maybe youre scrambling after your car broke down.
Or you got a medical bill you werent expecting.
Or inflation has finally pushed your budget over the edge.
You dont need to go it alone.
When money is tight,these resourcescan help you manage unexpected expenses without stress.
What Is Loud Budgeting?
Loud budgeting is a new money-saving concept made popular on TikTok.
So what does it mean?
You simply say, I have other financial priorities right now, so I wont be joining.
How Does Loud Budgeting Work?
it’s crucial that you tell themwhy.
Then, you make a plan for how youll pay off your student loans.
You could use the money saved to make an extra principal-only payment each month.
Here are some tips to make the most of this TikTok trend.
Be clear about why youre reducing your spending and how they can support you.
should more than suffice.
Find Other Ways to Connect
Loud budgeting can lead to some serious FOMO.
If all your friends are regularly hanging out without you, you might start to feel left out.
Instead, start suggesting free ways everyone can hang out.
Suggest ditching gifts for the holiday season and instead focus on spending time together at home.
But the other half of the concept the budgeting part requires that you have a plan in place.
If it’s crucial that you wrangle your budget, it may be time to consider a savings challenge.
Dont Forget to Treat Yourself
Budgeting is an important part of life.
But that doesnt mean you totally have to deprive yourself.
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Timothy Moore is a contributor at The Penny Hoarder who covers banking, loans, taxes and insurance.
