Welcome to the October Zero Day Challenge!

zero day finance challenge october cash prizes

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!

It’s Time to Start Saving Money

When it comes to spending, I’m like most other people: I spend every dollar that I earn. Rather, I should say I was like most other people. When I created Zero Day Finance, I wanted an outlet where I could talk about my strategy to reduce my spending. Like I said, I spent every single dollar that I earned in 2016. This type of behavior isn’t sustainable, and it essentially guarantees that I’ll be a slave to debt for life.

I used to spend money because I was bored or sad. Buying “stuff” was a coping mechanism that I used to deal with my sadness. Over the first few months of the year, I not only got rid of this behavior, but I learned to be happier in the process. Now I no longer swipe my credit card when I’m sad, and I’ve managed to save more than $10,000 in the process.

After I developed the Zero Day Challenge, everything changed. The Zero Day Challenge has helped me cut my spending by a life-changing amount. My success with the Zero Day Challenge even attracted the attention of CNBC, Rockstar Finance, and You Need a Budget!

At this point, there are hundreds of people who are trying out the Zero Day Challenge, and now I want you to try it out too!

The October Zero Day Challenge

Right now, I’m inviting you to take a leap. I’m asking you to try out the Zero Day Challenge. If you follow through with it, you will save money. It might only be tens, but it could be hundreds or even thousands of dollars. And the best part? It’s free. I’m giving you all of the knowledge and resources to complete it on your own.

I want to ask you a simple question: Do you spend too much money?

If you answered yes, I can help you out. I can help you save money. I can help you improve your life. And if you choose to participate with me, you can even win cash prizes.

The Zero Day Challenge is very simple. The previous link is an in-depth guide that explains exactly how it works, but I’ll give a brief summary here.

To start off, register for the October Zero Day Challenge (signup sheet below). Then, I’ll send you a copy of my tracking spreadsheet which will help you out. The goal is to spend zero dollars as many days as possible. Every day that you don’t spend any money counts as a “zero day.” The more “zero days” you have during the month, the less money you’ll spend.

As you progress through the challenge, start asking yourself whether what you are buying is really worth it. If the answer is yes, then go ahead! But if you are buying something just ’cause, maybe you shouldn’t spend that hard-earned money.

How to Participate

So you’re ready to try out the October Zero Day Challenge! Registering for the challenge is extremely simple. Make sure that you follow these 3 steps:

  1. Like the Zero Day Finance Facebook page
  2. Register for the challenge (registration below)
  3. Track your progress using the Zero Day Challenge spreadsheet (included in email after registration)

That’s it. Once you take those 3 steps, you’re ready! Make sure to track your spending every single day during October, and enter your spending into the spreadsheet. It will automatically calculate your total spending, your zero days, and whether or not you hit your spending goal. This spreadsheet is very simple to use, but feel free to contact me at david[at]zerodayfinance[dot]com if you have any questions.

If you are worried about staying anonymous on Facebook, a bunch of people already like my page, so you won’t be outed just by liking it. But, if you don’t have a Facebook account, that’s alright, just follow me on Twitter and you’re good to go!

Bring on the Prizes!

I couldn’t hold a challenge without prizes! The most important thing about the Zero Day Challenge is that it forces you to gamify saving money. I don’t need any prizes for myself, because I’ve reduced my monthly spending by more than $1,500.

One thing that makes the Zero Day Challenge very effective is that people are competitive by nature. Every month, I try to amass more and more zero days, and it helps decrease my spending. Well, to up the ante, I am awarding a total of $250 in prizes to selected participants. Here are the prizes that I’ll be offering:

  • 4x $25 gift cards for people who share their experience on Facebook
  • 3x $50 gift cards for people who share their Zero Day Challenge spreadsheets on Facebook

Don’t worry about the specifics, I’ll send out exactly what you need to do to be eligible for these prizes. But don’t worry, all they’ll require is that you make a post on Facebook. The prizes will either be Amazon gift cards (email), or Visa gift cards (snail mail). The winners will get whichever they choose.

Bring on the Savings (and Prizes!)

So what are you waiting for? By making a very small set of changes, I’m on track to save more than $18,000 this year by taking the Zero Day Challenge. What about you? Do you want to start saving a ton of money? If you’re ready to have fun, save money, and compete for prizes, you’re come to the right place!

Good Hunting,

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18 Responses

  1. Woohoo! What a great idea. I hope you get a ton of engagement!

  2. Fab idea! I don’t spend any money usually, but I’ll be sure to share 🙂

  3. Great idea! October’s going to suuuck for us – new house means a ton of expenses. 🙁 Keeping track of all the housing-related expenses in more detail would probably be a good idea though and could lead to a blog post about it 🙂

  4. Great idea, we definitively spend too much!

  5. Sarah says:

    Quick question for you, do you count automatic payments as spending days? I know you don’t count rent or car payments, but what about stuff like insurance payments, cell phone bill, Netflix, etc. that come automatically off a credit card? I have so much stuff set-up automatically and it all seems to come out on a different day so that would really put a dent in my ‘zero days’.

    • David says:

      For me personally, I count every time my credit card is charged (my CC company texts me). I have 3 or 4 things on autopay, and of course they’re all different days so it decreases my total number of zero days. It doesn’t really matter if you choose to count or ignore these automatic payments. It doesn’t make much sense for two different people to compare their zero day performance, other than to see who has more zero days.

      For the purposes of prizes and everything else, I won’t be counting who has the most zero days, who has saved the most, etc, so don’t worry about it too much.

      However, its extremely useful once you start tracking a few months because you can compare your own monthly spending and zero days. So whether or not you decide to count those automatic payments, just keep it consistent. I will say that the real benefit of the Zero Day Challenge isn’t in earning a bunch of zero days, it is that you think about each expense before you act, and only spend money on things you really think are worth it. If you want a little more info, check this out.

  6. Frugalfrogs says:

    Do you have to follow/like on Facebook? I’ve removed myself from it (what a blessing that was!) but I’d still like to do this.

  7. Great idea! I’m posting about this on my Facebook page tomorrow! I hope you get a lot of participants. Cutting down my random spending is maybe the best financial move I ever made.

  8. Cato says:

    This is awesome! Hope you get lots of participation! I’m joining!

    Cato @thedollarbuild

  9. Great idea. I love the spreading of the Zero Day Challenge. I may not be ready to give it a whirl in October, but will definitely consider joining in November! Hopefully you get a ton of participation here


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