Recently heard the term "loud budgeting" in reference to being open about not spending money when you're trying to save. This made me wonder if many of us are pressured into spending for social outings and whatnot just to keep up appearances. How do you all feel about this?

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I could care less what people think of me outside of a professional business setting. Then again, I graduated college before social media. Loud budgeting is just a clout thing. We have all been there telling friends we can’t do a certain activity because we can’t afford it.

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I used to feel pressured by my friends with this - now if I go out with them, before the time, I reiterate I’m saving for a house and ask the waiter for a separate check. I control how much I order / drink and don’t feel like I need to comp for my friends who order more. Everyone has their own personal priorities with money. If I can’t afford to attend things, I decline and offer a cheaper alternative idea instead.

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At 34 I’m the only one of my friends with two paid off cars (bought used with 10k miles ~$40k each), zero card debt and 2 kids.
They love spending $20 on cocktails made of 80% ice, and I just feel great every time I save money. I think I even have an aversion to spending money and I couldn’t care less about what others think.
In the 🇺🇸 there’s a crazy culture of concatenated events during the year that are focused on making you spend money: xmas, valentine’s day, easter, mother’s/father’s day, July 4th, fancy summer vacation, labor day week vacation, halloween, thanksgiving…
On top of that, they’ve convinced us to pay astronomic amounts for things like wine, craft beer or cocktails where the soda mix (water+powder) comes through a dirty pipe instead of you getting an actual bottle of coke.
Will leave the price of take out food for another day.

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