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.
Well, not exactly. According to days.to it’s only been 99 days, 1 hours, and 30 minutes (as of this writing) since January 1st. But it’s okay, cause I’m technically still good for week 15.
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.