Spot it
See where your money goes
For eligible 118 118 Money credit card customers, 118M8 shows trends, top merchants, categories, and period-to-period changes so surprise spending becomes easier to understand.
Your financial fitness mate
Money Saving App for Calmer Daily Spending
118M8 is a money saving app built for real life spending moments. It helps you spot where your money goes, see what a purchase costs in hours worked, and pause before impulse buys so saving feels more natural and less forced.
- ✓Spot spending patterns before they drift
- ✓Turn prices into hours worked
- ✓Use a neutral pause for impulse decisions
- ✓Sleep on it with a 24 hour reminder
Free on iOS and Android from 118 118 Money.
Most money saving apps help after the spending. 118M8 helps before it.
Some apps focus on cashback, switching bills, or moving spare change into savings. 118M8 takes a different angle. It helps you save money at the moment a decision is about to happen, when a quick pause can stop an unnecessary spend before it leaves your account.
See the pattern
Track trends, top merchants, and repeat spending so small habits become easier to catch.
Feel the real cost
A price can look harmless until it becomes part of your working day.
Pause the impulse
Use a neutral decision tool or a 24 hour reminder when the urge to spend feels hot.
Stay guilt free
The goal is not to say no to everything. It is to spend with more intention.
How 118M8 helps you save money in everyday life
Saving does not always come from one big budget reset. Often it comes from catching small, unnecessary purchases before they pile up.
Clock it
Turn spending into hours worked
The Wait tool helps you sense check a purchase by showing what it costs in time, not just pounds. That perspective can make a fast yes feel worth reconsidering.
Choose it
Use a neutral decision moment
The Number Generator is a playful way to break the momentum of an impulse or peer pressure spend without turning the moment into a lecture.
Pause it
Give it 24 hours
If you are not sure, set a reminder and come back tomorrow. A day later, many purchases feel far less urgent and easier to skip.
Clock it
Try the hours worked idea
One reason saving is hard is that prices feel abstract. Time does not. Use this quick demo to see what a purchase could cost in working time, then decide whether it still feels worth it.
Quick demo
£
Use gross or take home pay. The point is perspective, not perfection.
£
This costs
0 hours
of time worked
Big time cost. Consider waiting.
Save with awareness
A money saving app that stays practical
118M8 is designed to feel like a calm, useful companion rather than a strict system. You can use it to sense check takeaway habits, social spends, quick online buys, and all the small moments that quietly affect your month.
- 01See daily, weekly, monthly, and yearly spending patterns
- 02Notice repeat merchants and category trends
- 03Interrupt unnecessary spends before they happen
- 04Keep the decision in your hands without guilt or pressure
Spending insights are available for 118 118 Money credit card customers and update daily.
Looking for a money saving app that helps in the moment?
Download 118M8 and give your next purchase a little more perspective, a little more time, and a much better chance of being the right call.
118M8 is a companion tool that helps you sense check spending decisions. It is not financial advice.
Frequently Asked Questions
What makes 118M8 a money saving app?
118M8 helps you save money by making spending easier to question before it happens. You can spot patterns, turn prices into hours worked, use the Number Generator for a neutral pause, and set a 24 hour reminder before you buy.
Is 118M8 a budgeting app?
118M8 is more of a spending companion than a traditional budgeting app. It is built for everyday spending decisions and impulse moments, while also offering spending insights for eligible 118 118 Money customers.
Who is 118M8 for?
118M8 is designed for 118 118 Money customers who want an easy way to sense check purchases and stay more intentional with day to day spending. It also fits anyone looking for a calmer way to save by cutting unnecessary spending.
Which devices are supported?
118M8 is available on iOS and Android, with web access planned for the future.