118M8 - Financial Fitness

Your digital shopping mate that helps you spend smarter

Meet 118M8 - your digital shopping mate from 118 118 Money.

We’ve designed 118M8 to help you spend smarter by showing you the real cost of your purchases - not in pounds, but in hours worked.
At the heart of the app is the Wait challenge - a simple yet powerful tool that helps you pause before you pay.
Type in the price of something you’re thinking of buying and 118M8 instantly shows you how many hours you’d need to work to earn it.
This isn’t about telling you what to do - it’s about helping you spend your hours wisely and making choices that fit your goals.
118M8 is built for people who want to take control of their spending and build financial fitness - one small step at a time.
Whether you’re saving for something important, trying to reduce unplanned purchases, or simply want to spend your money on the things that really matter, 118M8 helps you stay focused and motivated.

Key Features
• ⏳ See spending in hours, not pounds
Reframe your purchases to understand their real cost - how much time you’re working to pay for every item.
• 💭 Pause before you pay
The Sleep On It reminder helps you take a moment before making non-essential purchases.
• 💰 Savings tracker and goals
Track how much you’ve saved by waiting - and set new goals to turn good decisions into real progress.
• 💡 Positive reinforcement
Get encouraging messages to celebrate good decisions.
• 🧠 The Wait Challenge
Turn everyday spending into a small challenge that helps you reflect, build self-control, and spend with purpose.
• 🔒 118118 Money customers can login using their existing 118 118 Money credentials

There’s no need to create a new account - simply log in with the same details you use for your 118 118 Money app. Or try 118M8 as a guest to explore its features.

Who It’s For
118M8 is designed for anyone who wants to:
• Build or rebuild healthy money habits.
• Reduce unplanned spending.
• Gain confidence and control over day-to-day money decisions.
• Build your Financial Fitness.

118M8 is especially valuable for people working to improve their credit, manage irregular income, or make smarter use of their hard-earned money

Why It Matters
You work hard for your money - 118M8 helps you make sure it’s working for you.
By spending more intentionally, you’ll find more time, money, and peace of mind in your everyday choices.
It’s all part of 118 118 Money’s mission to help Britain get financially fit through products, tools, and insights that make a real difference

What’s Coming Next
This is just the beginning. A major upgrade to 118M8 will launch in early 2025, bringing new features to help you:
• Link accounts for more personalised insights
• Set and reach bigger goals
• Track savings over time
• Continue building your journey to Financial Fitness