4 Ways to Turn the ‘Loud Budgeting’ Trend Into a Habit TIFFANY CURTIS Setting financial boundaries isn’t a new concept, but there’s a new name for it. “Loud budgeting” is a viral money trend that’s encouraging people to be more open about their finances. TikTok content creator Lukas Battle is credited with popularizing the term. In one cheeky video, Battle gives an example of loud budgeting: Saying “Sorry, can’t go out to dinner, I’ve got $7 a day to live on.” And while Battle’s example might be funny, practicing financial transparency is resonating with many people who are feeling financial strain. What is loud budgeting? This approach is about looping others into your financial goals and combating money shame. “This means making better spending decisions that support your goals, and being honest with friends and family about why you are opting out of gatherings that require you to spend, such as going out to dinner or going away for a weekend trip,” Andrea Woroch said in an email. Woroch is a personal finance writer and consumer savings expert who has appeared on “Good Morning America” and other TV news shows. It’s also about aligning how you spend your money with the goals you want to achieve, which can be empowering. You can say, “I don’t value this enough to spend money on this because I’m saving money for a down payment, or … I’d rather not spend money on this because I’m saving for a vacation,” Giovanna “Gigi” Gonzalez says. “It gives you the power back, and it shows that you have clarity on your financial goals.” Gonzalez is the author of the personal finance book “Cultura & Cash” and a TikTok content creator.
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