7-Day Money Awareness Challenge
Finish knowing exactly where your money goes, and the one change worth making first.
Most people try to fix their money by cutting things they enjoy, then give up in week two. This challenge goes the other way round: for seven days you only look, count and understand. By day seven you will have a clear picture of where the money actually goes and a single change to make next month - chosen from evidence, not guilt. You can pause any day and pick up where you left off.
Create a free account to tick the days off and save your progress.
Start freeThe 7 days
Do them in order or dip in — nothing is locked and a missed day costs you nothing.
Day 1 · 10 min
Look without judging
Open your bank app and list your ten biggest outgoings from last month. Do not change anything yet - just write them down, largest first.
Day 2 · 15 min
Find the recurring payments
Scroll through and write down every subscription, direct debit and standing order. Put a tick beside anything you cannot explain in one sentence.
Day 3 · 10 min
The 24-hour pause
Today, write down anything you are tempted to buy and do not buy it yet. Tomorrow, notice how many of those you have stopped wanting.
Day 4 · 15 min
Price per use
Take three recent purchases and work out what each one costs per use so far. It is often the cheapest-seeming things that cost the most per use.
Day 5 · 20 min
Check one big bill
Pick your biggest regular bill - energy, broadband or phone - and compare it against one alternative. Note the difference, even if you decide not to switch.
Day 6 · 15 min
Start one sinking fund
Choose an annual cost that hurts when it lands (car service, Christmas, insurance) and divide it by twelve. Open a separate savings pot and set that amount aside.
Day 7 · 10 min
Write your one change
Look back over the week and write down the single change worth making next month. One only - that is what makes it stick.