Here at Zero Day Finance, my goal is to save you money, a lot of money. The Zero Day Challenge is a fun way to reduce your spending, and learn a little bit more about yourself in the process. In the first 6 months of 2017, I was able to cut my spending by $9,216. This means I’ll have eliminated more than $18,000 in wasteful spending by the end of the year. Well, the time has come to take this to the next level, so I can help you save money too. Which is why I’m launching the October Zero Day Challenge. If you are ready to start saving hundreds of dollars per month, and compete for $250 in prizes, keep reading!
Running Zero Day Finance for the past 7 months has been an incredible privilege. I’ve met thousands of awesome people, learned a ton about personal finance, and have also taught people some really cool things too. I built Zero Day Finance around the concept of the Zero Day Challenge. It is a proven strategy you can use to significantly reduce your spending and increase your savings. If you don’t believe me, see how I’m on track to save $18,000 this year. After being featured in Rockstar Finance, CNBC, and YNAB, I realized that I can help people with more centralized information, so I am officially launching Zero Day Challenge.
I’ve had a spending problem for the past few years. Like the majority of Americans, I bought into the whole consumer lifestyle and bought “stuff” to make myself happy. I came to realize, though, that spending money doesn’t make me happy. It satisfies my short-term wants, but at the end of the day, it’s just “stuff.” I started the Zero Day Challenge to help combat my spending problem and achieve my goal of reaching financial independence by age 40, and early retirement by 45. I never imagined that I would decrease my spending by more than $18,000 per year.
Do you try really hard to spend within your budget, only to find that you go over every month? I thought that I was doing a good job at budgeting. I tried saving money every month, but in the end lifestyle inflation caught up to me. Instead of taking responsibility, I blamed random expenses that came up.
Reflecting on the past few years, I’ve never been great at controlling my spending, and now I see why. Last year, I spent $20,000 on the combination of food and “other expenses” which is way too much, and is slowing down my progress towards financial independence. I know for a fact that I can do better.