Category Archives for Spending Bans

100-day Spending Ban 2017

spending ban

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Bad habits die hard. Nothing like another spending ban to curb the ridiculous over spending

On January 1, 2017, I started a new year with a secret.

I decided to do another 100-day spending ban like the one I did last year.

This one started January 1 and will end April 11, 2017. 100 days of no spending.

I was not sure I'd be able to go through with it so I didn't set out to tell anyone. I waited a few days before coming out with it.

Here I am, writing to you. Telling you that I'm committing myself to another spending ban.

I'm happy and sad, excited and anxious.

This is a personal journey and, only after a week, I'm reminded of how much I've forgotten the lessons from my first spending ban in 2016.

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Why I Started a Spending Ban

christine c renee why I started a spending ban

And the 3 things it taught me.

In 2016, I did my first spending ban that lasted 100 days. It started January 1st and ended on April 19, the day of my college graduation (happy coincidence).

I had never done a spending ban before, but after reading an article by Cait Flanders who was in the middle of a 2-year spending ban and getting rid of her extra stuff, the idea seemed like the answer to my financial prayers.

I wanted to do better with my money but I had debt and my spending was out of control.​

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100 Days No Spending Goal 2016

On the first day of the new year, 2016, I sat down to review my December budget. Four hours later, I ended up reviewing my spending, income, and savings for each month of the entire year of 2015. It was depressing.

Of the last 12 months, only 3 were months that I didn’t spend past my income – and those months were the ones where I either had a tax return or was away on training. All other normal months were full of overspending.

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