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Embrace 2024’s Newest Trend: Loud Budgeting

In the ever-evolving landscape of personal finance trends, a new term has taken the internet by storm in 2024: "Loud Budgeting." Supposedly coined by TikToker Lukas Battle, this approach to managing finances is making waves among ambitious professionals who are eager to take control of their financial destinies. In essence, loud budgeting encourages individuals to be unapologetic about cancelling plans or postponing significant purchases they can't afford. In this blog post, we’ll explore how we can apply loud budgeting to our lives, empowering us to achieve our 2024 financial goals with confidence. 

  1. Embrace Thriftiness - Loud budgeting is all about embracing thriftiness, without any shame. In a world where consumerism often takes centre stage, you can stand out by proudly making frugal choices. Cancelling dinner plans that don't align with your financial goals or holding off on non-essential large purchases (do you really need that latest iPhone?) can be empowering, as this allows you to focus on what truly matters – your financial wellbeing. Embrace thriftiness and boldly let others know you’re prioritising your finances, you’re loud budgeting! Saying 'no' to immediate gratification in favour of long-term financial success is a key principle of this movement. 

  1. Prioritise Financial Goals - Professionals like you often have clear career goals, but it's equally important to set clear financial goals. Loud budgeting encourages you to prioritise these goals and make financial decisions that align with your short-term and long-term aspirations. Whether it's saving for a home or starting a business, being intentional with your spending is crucial for achieving these milestones. If you’d like some wisdom on setting your financial goals, you can rewatch our January 2024 Instagram live on setting and sticking to your financial goals here.  

  1. Cancel Unnecessary Subscriptions - Take a close look at your monthly subscriptions – streaming services, gym memberships, or subscription boxes. Identify those that don't bring significant value to your life and consider cancelling them. Redirecting these extra funds towards your financial goals can make a substantial impact over time. 

  1. Cultivate a Supportive Community - Share your loud budgeting journey with friends and family. Be willing to break the stigma regarding talking about money through sharing your honest situation and goals with your loved ones. You’ll likely be surprised to discover who has similar values and find more encouragement to stay on track with your financial goals. 


In conclusion, as the term "loud budgeting" gains popularity in 2024, you have an opportunity to redefine your approach to personal finance. Embracing thriftiness, prioritising financial goals, cancelling unnecessary subscriptions, and cultivating a supportive community are all essential aspects of applying loud budgeting to your life. By making intentional financial choices, you can confidently navigate your way to long-term financial success. 


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