1
UNDERSTAND
Find your starting position
Take the 5-minute Money MOT. Put income, spending, debt and savings in one place and get a three-step action plan.
Private by design. No account or email is needed. If you mark days complete, that progress is stored only in this browser on this device. We do not store your financial figures as part of this programme.
0 of 7 days complete
Start with Day 1: understand where you stand.
2
REDUCE
Review one recurring cost
Don't try to slash everything. Audit household bills or subscriptions and choose one realistic cost to review, switch or cancel.
3
DEBT
Make debt visible
If you have borrowing, list the balances, APRs and payments you know. Use the Debt Planner to understand the shape of the journey—not to promise a perfect outcome.
4
SAVE
Find one quick saving
Pick one change you can actually keep: groceries, subscriptions, bills or a small spending habit. A repeatable £10 matters more than an unrealistic £100 promise.
5
EARN
Explore one extra-income route
Match ideas to your available time and situation. Treat earnings as potential until you've tested the route in real life.
6
BUFFER
Choose your first safety-net target
If your monthly position allows it, work out a starter emergency buffer. If it doesn't, your earlier shortfall/debt actions remain the priority.
7
REVIEW
Recheck your Money MOT
Go back to your starting point. Update any figures that genuinely changed and compare your monthly position. Keep the next three actions manageable.
You finished all seven actions
The useful part starts now: keep the changes that worked, drop the ones that didn't, and recheck your Money MOT when your circumstances change.
Important: this programme is general educational information, not personalised financial advice. If you cannot afford essentials, priority bills or minimum debt payments, use the site's free debt-help route rather than relying on a challenge programme.