Saturday, 1 September 2012

I'm taking the plunge; 100 Day Challenge.

I'm sure most have you have noticed the 100 day challenge making its way around the blogesphere. The lovely Sophia over at Tattooed Tealady is into her final week and has really inspired me to give it a go! So here I am, preparing for my 100 day challenge.

For those that don't know basically, it's a spending ban. The rules are tailored to your needs and what you spend most of your money on. Obviously there has to be some exceptions like bills etc. but I think that goes without saying.

I know some of you will be like 'why on earth would you want to ban yourself from spending?', but I have my reasons. As from 12th September I will be a full time student, with a measly NHS bursary and a pittance of student loan (mainly because I've already received a loan previously). So my budget is going to be tight, and by that I mean I literally can't spend so I can afford to get to/from uni and eat! Also, I am going away at Christmas to Berlin and literally will want to buy EVERYTHING so this is a good excuse to save!

So here are my rules;

1. No buying clothes, bags, jewellery or shoes - online or physically. There are a few exceptions though, if the weather gets really cold, I am allowed to buy a Winter coat and a jumper. This is cos I get the train/walk to uni.
2. I am allowed 2 magazines a month (this is a huge improvement), to stop me going insane.
3. Money can be spent on; bills, rent, stamps, food/drink (only for the house or to take to for lunch), travelling expenses, exercise and anything related to uni. 
4. No buying toiletries or make up - unless of course I run completely out (and I mean completely!).
6. I am allowed on night out (with friends) a month - with a budget, if this means drinking tap water, so be it.
5. Lastly I can buy Birthday and Christmas presents.

I'm doing this in the hope that I will be able to start managing my money better and prove to everyone I can actually live off a budget. 

My 100 days challenge starts on Monday - 3rd September 2012 and finishes in 100 days time - 9th December 2012, just in time for my trip to Berlin! Yes, there is a reason I don't start till Monday is that is my first loan payment plus it's my leaving do at work this evening and I need to pay for a meal!

I will update each week with how my spending ban is going! Wish me luck!

Katie xx



  1. Hey! good luck with your ban! I am just over one month through my 6 month spending ban, but i want to save for a big holiday in february so thats why im doing it! it makes it a lot easier to have a reason for not buying anything!! hehe :)

    Jen xxx

  2. Hiya, good luck with your 100 day challenge, not sure i would be able to do it for that long i can go a week and then i need to indulge aha.You have good reasons to do it though which will hopefully keep you motivated :)

  3. Good luck my love :) You will find it so much easier than you'd imagine! Thank you for mentioning me :) xo

  4. I'm currently on a spending ban because of uni too! I've also worked out how much money I have to spend each week from what my loan gives me and I've decided that I'm going to be taking that amount of money out my bank each week and banning myself from using my card to pay for stuff. Hopefully that'll help me!

    Good luck with it :)

    Kelsey xx

  5. good luck and nice blog

  6. Good luck! :D
    I've just started blogging, it would be really nice if you wanted to check it out :)
    I'm already following you, but maybe you could follow me too? x

  7. Good luck! I know you'll manage, can't wait to hear how you get on :-) It'll be worth it for an amazing time in Berlin! xxx

  8. I'm starting my 100 day spending ban at the same time as you! Will be great to be able to follow your progress at the same time as I do mine! :)

    Rhiannon xx

  9. Good luck. Something I do on night's out is for pre-drinks at a flat I bring a £5 bottle of wine (I can drink cheap pinot grigio) then don't drink when we get to the club. Plus me and my friend's love the £4 entry fee at our fav venue!

    Morag x


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