Zero Day Challenge: Issues, Results, Mods, Pizza!

SO. I took the Zero Day Challenge in August, and now I’m sharing my results with you guys. Yes, everyone likes results. Results party.

If you aren’t familiar with it, this is a monthly challenge where the goal is to rack up as many “zero days” as you can.

A zero day occurs when you go an entire day without spending any money. The less money you spend, well…the more you’ll have leftover to spend next month when you’re not doing the challenge, right?

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How to Become a USAA Member Even If You Aren’t in the Military

USAA is a fantastic financial institution with so many upsides, such as outstanding customer service and an unparalleled online platform.

I highly recommend you check them out for investments, insurance, or banking in general.

Unfortunately, USAA doesn’t do a stellar job of clarifying membership eligibility requirements. So I have taken the time to outline them here and provide my insight as a USAA member.

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How an Electronic Envelope System Helped Us Pay Off Over $150,000 in Debt

You’ve most likely heard of the envelope system before. It’s a money management strategy that involves labeling physical envelopes according to major budget categories and putting the actual cash amounts into those envelopes.

The benefit to this system is the real-time feedback you get about how much money you have left in a specific category. Once it’s gone, it’s gone. It’s very difficult to overspend if you follow this strategy.

But it can be high maintenance, and even risky, to keep all of your cash in physical envelopes inside your home, car, or wallet/purse.

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How To Win With Cars: a Strategy Guide

Buying a car can be a stressful, time-consuming exercise. Have you experienced the kind of stress I’m talking about?

I’m going to share our recent car replacement experience and use it as a springboard for discussing the tenets we follow in this arena, which I believe have helped us be pretty darn successful. If you haven’t checked our net worth posts, you can get those here, or you can see the latest as of today:

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Experience Life While Saving Money

Some Context

Recently, I got an unexpected bonus from my 9-5, so my wife and I were discussing what to do with it.

We agreed to take 20% of it and do something fun, then invest the rest. 20% worked out to about $360. We decided to create an experience with these funds, as opposed to buying some object/item/thing.

You may already know that we are debt free and, by the standards of most, shouldn’t really need to worry about how we spend our money anymore.

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