zero day challenge eating out is killing your budget

Eating Out is Killing Your Budget

Everyone loves hating on Millennials and our food habits. There are all of those ridiculous articles that say we are killing chain restaurants by dining at super hipster bars, and in the next breath we can read about how we’re so poor we can’t even afford to buy groceries. We have billionaires yelling at us, saying that avocado toast is …

what is a zero day

What is a Zero Day?

What is a zero day? Where does the name come from? Why did you choose it? People have asked me all of these questions and more, so I decided I should set the record straight. The name “zero day” is a reference to my previous job. I used to work in Cyber Security for a large defense contractor. From time …

Spend Less, Stress Less

There’s a phrase that all of us have heard before, “mo’ money, mo’ problems.” I personally think this is a ridiculous. There are plenty of people who use this phrase as an excuse to get sympathy. Yes, you may have lots of money, but you aren’t getting any sympathy from me because you need to pay the landscapers $300 per …

zero day challenge credit card

It’s Time to Put Away Your Debit Card Forever

Back in the old days, buying things was fairly straightforward: cash or check. As technology advanced, we created credit cards, and now we can place our phone near a point of sale system and we’re set. We can even anonymously purchase goods with crypto currencies such as Bitcoin. With all of these payment options, most people still stick with cash, …