How to save money with 'loud budgeting'

Four popular budgeting strategies

While budgeting is an individualized process, there are a few tried-and-true budgeting methods people interested in saving money or paying down debt tend to use. These methods include the envelope method—where people budget for things like rent, savings, and food by putting cash in various physical envelopes—the 50/20/30 method, and others. Read about four popular budgeting strategies in this article.

One New Yorker saved $1,600 during her 'no-buy January'

A social trend in recent years encourages participants to buy essentials only for the month (an abbreviation of the even more radical no-buy year). Hannah Marder gave the fast a go, fastidiously dividing her purchases into wants and needs and managing to save roughly $1,600 over the month.

All-you-can-eat buffets are a practical demonstration of economic ideas

Economists have noticed some restaurant goers prefer a flat pricing model despite it usually being more expensive than per-dish costs. The strategy behind endless servings includes concepts such as economy of scale, cross-subsidization, diminishing returns (of enjoyment of excess food), and more.

The 'dupe' economy is fueled by the youthful thrill of thrift

Historically, you don't want people to know you have a knock-off luxury item. But today's younger generations are embracing the "dupe" economy, an open celebration of luxury knock-off items where consumers are proud to pay less for something roughly equivalent to premium brand offerings.

'Loveflation' is making dating more expensive and less frequent

A survey found that more than half of Americans are going on fewer dates due to rising costs, with 27% stopping altogether. Gen Z and millennials are the hardest hit, with 62% reporting changes in their dating habits due to inflation.

Chanel faced major backlash in 2021 over its $825 Advent calendar

Chanel’s $825 Advent calendar drew millions of views on TikTok after shoppers unboxed items like stickers, string bracelets, and a standard dust bag—products many felt didn’t match the luxury price. The viral controversy made the calendar one of the year's most criticized holiday releases.

In 2019, Dutch historian Rutger Bregman went viral for his on-stage criticism of the event

Speaking directly to an audience of billionaires and CEOs, Bregman broke from Davos norms by challenging elite comfort with inequality, arguing that fair taxation—not philanthropy—was the more honest solution, creating one of the Forum’s most widely shared moments.

The 'Strong Towns' podcast explores how American cities can become financially resilient

This weekly podcast examines why the way America has built its cities since World War II has left some communities financially fragile—and what local governments can do differently moving forward.

People with tinnitus should avoid silence—sound-rich environments distract the brain

This podcast from an audiologist discusses common questions about tinnitus. It notes that tinnitus could be described as a phantom sound associated with hyperactivity in the brain. It's linked with loud sound exposures above 85 decibels, hearing loss associated with aging and stress, among other factors.

BTS makes big profits, and spends just as big

While the band has been on hiatus since 2022, there are remarkable insights into the band’s success, like a $44M profit from a six-show tour. Their profits allow them massive spending, with investments like a shared mansion in addition to owning their own multimillion-dollar apartments.

John Oliver explains the student debt problem

From serious policy approaches to novelty giveaways from fast food chains, paying down student loans has become a central issue in public consciousness. John Oliver takes an entertaining look at the problem, how it became a political hot potato, why it’s difficult to solve, and more (warning—strong language).

A mother goes viral for sharing tips for making her home a "hang out" spot for her son and his friends

A mom shared an Instagram reel of her college-aged son and friends hanging out and playing cards in her dining room. She wrote a note explaining how she helped make this happened, and provided tips to other parents hoping to keep their children visiting home for a long time. She encouraged parents to keep snacks in the house, say yes when their kids asked to hang with friends, and to be okay with a bit of a mess, among other things.

Experts don’t believe upbeat tunes, called ‘recession pop,’ are legitimate recession indicators

Social media users have begun deeming pop music by the likes of Kesha and Katy Perry a “recession indicator” as they try to predict the next economic downturn.

Why Americans don’t talk about money

In the United States, asking someone how much money they make (or any questions about money, really) has long been considered rude. But where did this social norm come from originally? And why do Americans still feel so awkward talking about money? This article from The Atlantic takes a deep dive into the socioeconomic forces that created the money taboo. Read the full piece here.

'Silent' fireworks have gained more interest in recent years as a quieter celebratory option.

The Buzzcocks' 1975 self-released EP inspired a DIY ethos for punk

Punk sought to dismantle the self-importance of mainstream rock, favoring simple arrangements, short songs, and raw passion over sophistication or expertise. When the Buzzcocks struggled to find a label to release their debut record, “Spiral Scratch,” they took that do-it-yourself approach and applied it to business by releasing it themselves.

What is buy now, pay later?

The buy now, pay later industry allows consumers to buy something immediately and pay in installments, typically without the need for applications or credit scores associated with credit cards. BNPL has boomed in the last decade, led by fintech companies Affirm, Klarna, and Afterpay, which have targeted young adults. Some critics say BNPL is a reinvented version of payday loans that allow borrowers easy access to cash with relatively few barriers.

Modern Monetary Theory 101

Modern Monetary Theory is a macroeconomic theory that says government spending should not be restrained by fears of rising debt. Here's a breakdown of how the theory works.

Meme stocks often have little underlying value but are fueled by crowd funding

"Meme stocks" is a phrase originating in the early 2020s, referring to companies with little underlying value who gain recognition through social media and whose stock price experiences rapid gains.

Fast-casual restaurant Chili's is experiencing a resurgence, with its parent company recently reporting a nearly 32% increase in sales, thanks to passionate Gen Z fans on TikTok.

Red Lobster lost $11M on endless shrimp promotions—but its real estate holdings were what dragged it to bankruptcy

Golden Gate Capital, a PE firm, bought Red Lobster in 2014 for $2.1B. Golden Gate then sold Red Lobster's real estate, more than 500 storefronts, which generated $1.5B in revenue and helped finance the PE firm's acquisition of the company. Analysts say increased debt, high rent costs, and low equity put Red Lobster in an impossible position, leading to its 2024 bankruptcy filing—although the shrimp bill probably didn't help.

Burning Man typically costs thousands of dollars to attend

It is no secret that Burning Man is a costly endeavor, with disposable income needed to buy tickets, take time off work, create shelter, hold living supplies, and provide entertainment and gifts while living in the desert.

Graffiti's lexicon includes slang for methods and aspirations

Quickly covering an area with graffiti, often fast tags and throwies, is called "bombing," a word that's intended to evoke images of an aerial raid. "Heaven" is a double entendre: It's a very high spot, both desirable and potentially fatal.

A ‘gold bug’ is a person who is bullish on gold as an investment

"Gold bugs" often argue that fiat money allows governments to engage in financially reckless behavior (think: chronic borrowing). They also say the price of gold rises as the value of fiat currency falls.

In 2024, attorneys spent an estimated $541M on outdoor ads

A $70M increase from 2023, this marketing tactic helps lawyers bring attention to their names in an oversaturated market. Read this article to find out why lawyers advertise on so many billboards.

Turning a profit with terminal illness

After Amanda Riley was diagnosed with cancer, her social media followers rallied to raise funds to ensure their favorite religious influencer could afford one miracle after another. As more than $100,000 of donations poured in, Riley shared glimpses into her health struggles, posting evidence as fake as her diagnosis. Pulling from years of journalistic investigation, this eight-episode podcast series dives into Riley's reality.

Bud Light was created to compete in the lower-calorie light beer market

Arguably sparked by Miller Lite's successful 1975 launch, Anheuser-Busch rolled out Bud Light in 1982. The brand faced controversy in 2023 after a sponsorship deal with transgender influencer Dylan Mulvaney, sparking a Bud Light boycott.

A pickleball's loud 'pop' sound can reach 120 decibels, which is equivalent to a hammer hitting a nail

Massive 3D printers have been used to build homes by stacking layers of 'concrete toothpaste,' a fire-resistant material that effectively insulates against outside noise.

Use this calculator to find the dollar value of your mental load, from meal planning to coordinating after-school care for your children.

Netflix profits when you're not watching, and its movies are designed that way—read a detail-rich critical essay exposing lesser-known Netflix takes

Play the role of a student in a game where you try to navigate college and remain debt-free, selecting different income levels, high school experience, race, ethnicity, and more.

A 2019 Facebook event called on attendees to "Storm Area 51, They Can't Stop All of Us," resulting in countless memes, the creation of a music festival, and eventually the arrests of those who did try to approach the area.

US consumers collectively owe more than $1T to credit card companies—almost as much as they owe in auto loans.

Venture capital is a form of funding provided to early-stage companies with high growth potential, typically in exchange for an equity (or ownership) stake

Exploring the Larry Bird punch that almost changed March Madness

When a Paris department store hesitated to sell Estée Lauder's perfume, she 'accidentally' broke a bottle, causing the smell to spread throughout the store and shoppers to start asking to buy the scent.

The idea for the Federal Reserve was conceived in secret in 1910—with bankers donning duck hunt gear for disguise while traveling to a remote country club on Georgia's Jekyll Island

Double world record holder Hunter Ewen helped conquer his fear of balloons, called globophobia, by training to win Guinness World Record titles for balloon inflation.

Before the current East Wing ballroom project, only two White House renovations in the past 100 years cost more than $10M.

The USPS spent $3.97B in 2024, accounting for .058% of the federal budget.

A century of Billboard issues documenting the evolution of popular music.

Existentialist writer Jean-Paul Sartre coined the famous phrase 'Hell is—other people' in his play 'No Exit'

Graffiti dates back to at least ancient Pompeii, where citizens scrawled messages to one another on public walls

Dirty lightning is a thunderstorm created from friction between rising and falling flows of ash and smoke during volcanic eruptions.

The word 'jazz' evolved from 'jasm,' 19th-century American slang for 'energy'

Hotels in Cannes, the glamorous city on the French Riviera, hire hawks to ward off seagulls during the city's famous film festival.

Explore our favorite visualization of the immense scale of space, from an astronaut to the size of the observable universe

Some researchers have labeled nomophobia, the fear of being without your phone, as 'the phobia of the 21st century.'

Some coin denominations have ridges etched on their sides, partly to prevent counterfeiting, in a practice called 'reeding.'