how it drained
It rarely goes in one dramatic purchase
- It left in pieces, over monthsNo single decision was wrong enough to remember. Together they emptied the account, and nothing recorded the pattern while it ran.
- The fund had no defenceA balance with no daily attention attached is just money. It gets spent in exactly the way money gets spent.
- Starting again is heavier than starting wasThe second attempt carries the memory of the first, which is why most second attempts are quieter, smaller and abandoned sooner.
now and next
The flat you rent, the flat you are saving for
Drag to compare.The daily log is what moves the line.
before you join
Questions from a second attempt
Will this stop me spending it again?
No programme can promise that. What changes is that the spending becomes visible while it happens rather than afterwards.
Do I have to explain what happened last time?
Not to us and not to the group. The reports are about today onwards.
Do you hold or lock the money?
No. Nothing here touches your money in any way. Where you keep it is your decision, and we give no advice on it.
What if I break it again on day forty?
You write that down and keep reporting. Days you showed up are the count, and a bad day reported is still one of them.
Is this financial advice?
No. It is a discipline programme, with no guidance on mortgages, products, investments or tax.
how it runs
The same hundred days, with a record this time
the shape of it
What the hundred days usually look like
Suspicion, mostly. The first week is spent waiting for this to collapse the way the last attempt did.
A hundred days at that pace comes to 1,000. Twelve months of the same habit: 3,650.
Arithmetic in whatever unit you count in. It is a sum, not a forecast.
Suspicion, mostly. The first week is spent waiting for this to collapse the way the last attempt did.
The first bad stretch arrives and gets written down instead of hidden. This is the day the run is actually decided.
A hundred days including the difficult ones, all of them visible. The pattern that emptied the account is no longer invisible.
gallery
Between the flat you rent and the one you want
Three tasks each morning. One report each night. A hundred days of down payment.
where this sits
The background is not helping anyone
- —
- The US personal savings rate fell to a three-year low on Bureau of Economic Analysis figures, while searches for No Spend January reached an all-time high, up 67% year on year — Sherwood News. source
Quoted from the linked source. We publish no figures about participants, because we do not track anyone's money.
A hundred days, and this time somebody reads them
Leave an email and we will tell you when the next group opens.
- Three tasks in the morning, one report at night
- Bad days logged rather than skipped
- A hundred days with a fixed start and finish
We write once, when the next group starts. Nothing is charged here.
ask first