Smart Spending App
Smart Spending App for Calmer Daily Choices
118M8 is a mobile spending companion designed to help you pause before you purchase. It turns prices into hours worked, gives you a 24-hour reminder, and helps you spot patterns over time.
Why It Feels Smart
Because it helps before you spend
Most money apps help after the fact. 118M8 is built for the moment you feel tempted: the checkout screen, the treat yourself scroll, the group chat plan.
A decision tool, not a lecture
The goal is a calmer choice, not a perfect month. If you decide to buy, you buy guilt free.
Turns prices into time
Convert any price into hours worked using your own earnings. It is a quick reality check you can feel.
Creates space on purpose
Use sleep on it to set a 24-hour reminder. Tomorrow you can decide with a clearer head.
Designed for
Everyday spending choices that quietly add up
- •Convenience spending when you are tired
- •Impulse just this once buys
- •Peer pressure spends you later regret
Not required
Bank logins, budgets, or complicated setup
- •No open banking connection needed to get value
- •No spreadsheets or category rules
- •No shaming language if you spend
Real Moments
Use it when you are about to buy
A smart spending app is only useful if you actually open it. These are the moments 118M8 is designed for.
On the sofa
Late-night scrolling
You are one tap away from a deal you did not plan for.
At checkout
Impulse add-ons
The basket total keeps creeping up with extras.
With friends
Group chat plans
You do not want to be the one who says no.
Payday week
Small spends, often
Coffee, delivery, taxis. None are huge, but the pattern matters.
Subscription renewal
Another monthly charge
You forgot it was coming. You are annoyed, not informed.
Treat yourself
You want it, but not sure
It might be worth it, but you want to feel confident.
The smartest part is the habit
Open 118M8 for ten seconds. Make the decision with your future self in mind.
The Tools
Spot it. Clock it. Choose it. Pause it.
Four simple tools that work together. Use one, or use all four. The point is to make the next spend more deliberate.
Spot it
See where your money goes
If you are a 118 118 Money credit card customer, 118M8 can show spending trends, top merchants, and categories so you can spot patterns without judgement.
- •Weekly, monthly, and yearly views
- •Top spends and visit frequency
- •Daily updates
Clock it
Turn prices into hours worked
This is the fastest way to make a price feel real. Use your own pay and see what a purchase costs in time.
A smart question to ask
Would you still buy it if you had to work those hours tomorrow?
Choose it
Use the Number Generator
A playful, neutral pause that helps you step out of autopilot. The game does not make the decision. It gives you space to make it.
The terms spend and save reflect the game outcome only. no money is moved. any decision is entirely up to you
Pause it
Sleep on it for 24 hours
If you are unsure, set a reminder. Tomorrow you will see what you nearly bought and you can choose calmly.
A built-in cooling-off period
Enough time for the impulse to fade, without losing the option.
Try It
A smarter way to check a price
Enter your earnings and a price. The time updates instantly, like the Wait game in 118M8.
Smart does not mean strict
118M8 is built to help you choose what matters. Sometimes the smart choice is to buy it. The difference is you decide on purpose.
A simple routine
- 1.Open 118M8 when you feel tempted.
- 2.Clock it in hours.
- 3.Pause or choose.
Download
Download the smart spending app
If you want an app that helps you think clearly in the moment, 118M8 is ready when you are.
Free on iOS and Android
Use Clock it, Sleep on it, and the Number Generator to make day-to-day spending feel calmer. Built by 118 118 Money.
Works without open banking. Some spending insights are available for 118 118 Money credit card customers.
Good for
- •Impulse spending you regret later
- •Buying back time, not just saving money
- •Building a calmer pause first habit
A quick check
If it costs five hours, is it worth five hours?
FAQs
Quick answers
What makes a spending app feel smart?
It helps at the exact moment you are tempted to spend. 118M8 gives you quick tools like hours-worked pricing and a 24-hour reminder so you can make a deliberate choice.
Does 118M8 connect to my bank account?
Not right now. 118M8 works without open banking. Optional bank connections and deeper insights are planned for future releases.
Is it free?
Yes. 118M8 is free to download on iOS and Android.
Is 118M8 only for 118 118 Money customers?
Anyone can use 118M8. Some spending insights are currently available for 118 118 Money credit card customers, with more options planned.
From 118 118 Money
118M8 is built to help you feel calmer about day-to-day spending. No lectures. Just practical tools.
Read 118 118 Money reviews on Trustpilot