Avocado toast anxiety got you down? Textbook economics a snoozefest? Not for Gen Z. 2024 is the year we ditch the financial whispers and shout our savings goals from the rooftops (or at least from our TikTok feeds). Enter the realm of Loud Budgeting, a movement making waves for its bold approach to managing your money.

But wait, a guy called Lukas Battle just invented this, right? Not quite. While Lukas may have coined the catchy term and sent it viral on TikTok, the idea of openly discussing and celebrating financial goals isn't entirely new. Remember back in 2020 when NatWest launched their 'Financial Flex' campaign, encouraging young people to talk money more openly? Or that recent Guardian article calling it a fancy rebrand of "counting pennies"?

Here's the thing: even if it isn't brand new, the fresh energy and positive vibes behind Loud Budgeting have financial advisors worldwide singing its praises. Derek Ober, a financial advisor stateside, even called it "a great approach to managing your finances."

So, what exactly is Loud Budgeting?

Imagine your budget as a megaphone, blasting your financial dreams to the world. It's not about boring spreadsheets and guilt trips; it's a passionate, purposeful lifestyle shift. It's about:

• Setting audacious goals: Ditch the "save a few pounds" mentality and dream big, like a Bali getaway, crushing student loans, or retiring early. Make your goals clear, specific, and so exciting they make you want do a TikTok dance.
• Crafting a budget that pops: Throw those drab spreadsheets in the bin and unleash your inner artist! Use charts, colours, maybe even glitter if you're feeling fierce, to make your budget a reflection of your unique you.
• Sharing your journey: Don't whisper your goals, shout them from the rooftops! Tell your friends, family, and even your online 'family' what you're aiming for. Public accountability fuels motivation and builds a supportive crew to cheer you on.
• Celebrating every win: Every penny saved, every bill paid, every tiny step deserves a victory lap. Acknowledge your progress, no matter how small, and reinforce those good habits with a happy money dance.
• Adapting on the fly: Life throws curveballs, so should your budget. Be flexible, adjust your plans when needed, but keep your eyes on the ultimate prize.

Loud Budgeting isn't just about the destination; it's about the empowering, passionate journey. It's about reclaiming control of your finances and turning budgeting into an adventure you can't help but shout about.

So, are you ready to make some noise? Set your goals, unleash your creativity, and join the Loud Budgeting revolution! Share your journey with us and let's make financial success a symphony we can all hear.

Pro Tip: You can get a FREE Financial Health Check with NatWest bank. Even if you're not a customer! You can do it online, via a video chat, a phone call or in branch.