Zero Day Challenge Update

Zero Day Finance July Update

Zero Day Finance July Update

Welcome back to the Zero Day Finance update! I haven’t done a dedicated one of these in awhile, and I’ve got a lot to cover. July was an incredible month. I launched a new Zero Day Challenge website, was featured in RockStar Finance, CNBC, and YNAB, at least 30 or 40 people have started their own Zero Day Challenges, and I got a bonus at work! Plus I got to spend a full 2 weeks in New York with my fiancée!

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Posted by David in Zero Day Challenge Update, 40 comments
Zero Day Finance May 2017 Update

Zero Day Finance May 2017 Update

Hello everyone, my May update post is coming a little late because I just got back from vacation! If you haven’t checked out the Zero Day Challenge, give it a quick read. Basically I track my daily spending and gamify savings by counting how many “zero days” I accumulate during the month. The more zero days, the better! I’m also going to include a little more general Zero Day Finance information in these posts. Overall, May was awesome and I can’t wait for June! If you want a TLDR of my finances, check out my Net Worth page for a quick sneak peek.

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Posted by David in Zero Day Challenge Update, 12 comments

Zero Day Challenge March Results

zero day challenge march resultsMarch is over, which means we get another Zero Day Challenge results post! If you haven’t checked out the challenge, give it a quick read. Basically, I gamify savings by keeping track of “zero days” — days where I don’t spend any money. Spending $0 for an entire day is a great way to decrease your spending. The more “zero days” you can get during the month, the lower your overall spending will be. This month was a big step for me because I finally changed jobs to increase my salary. I also made it to the second page of Reddit before the mods over at r/personalfinance decided to delete my post and ban my account 🙁

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Posted by David in Zero Day Challenge Update, 8 comments

Zero Day Challenge February Results

Zero Day Challenge February ResultsFebruary is over, so I’ve got another Zero Day Challenge update! If you haven’t read about the challenge, check it out before you read any further. This month was very different than last month. My fiance moved to New York to start a new job. I spent a lot of capital building a bug-out bag. I received a bonus at work, and I’m in the process of leaving my job because you won’t make more money without changing companies. Although my expenses were higher, my bonus income mostly bridged the gap.

I also added a new page to track my overall savings and net worth progress for 2017. Check it out if you’re interested! I’m hoping to average about 4% net worth increase per month for a total net worth increase of 60% by the end of the year. We’ll see how I do!

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Posted by David in Zero Day Challenge Update, 0 comments

Zero Day Challenge January Results

zero day challenge january results

When I started Zero Day Finance, I wanted to help people who struggled to save and budget like myself. I always tried to follow my budget, but small expenses kept piling up. Luckily I max out my 401k (which everyone should strive for) so I’m already ahead of the savings curve. However, I would like to buy a house in the near future, and I can’t if I fail to save month after month. I was a little nervous embarking on this journey because all of it is public. Every week, you can see exactly what I spend money on. I guess I could theoretically lie, but then whats the point?

I honestly never thought that the Zero Day Challenge would be as effective as it is. I’m naturally a very competitive person, so I treat it like a game. I try to get as many zero days as I can, and I don’t really miss blowing $50 on something that I don’t care about. If you have a spending or budgeting problem, I strongly recommend trying the Zero Day Challenge with me. Its helped me identify how I waste money, and will take years off my retirement horizon. These results are much more than I could ever have hoped for.

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Posted by David in Zero Day Challenge Update, 0 comments