The warm up

Start your money workout

Stretch and flex your knowledge about where your money goes each month.

Do our warm up to work out your incomings and outgoings, and think of what you could cut down without missing out.

The warm up card


See a completed example [PDF 297KB]

How to work out

Step 1


Have a look at your spending patterns and get to know your habits – see where you could save a bit extra and write this on the card.

Step 2


Keep the card where you can see it, like on the fridge, as a daily reminder.



Step 3


Consider opening a savings account so you can transfer the money you’d usually spend into a safe place. When you’re ready, try another workout that suits your circumstances.


Workout kit

You can use these tools to help complete your goal.

Mobile phone spending icon

Your Barclays app


Tap ‘Spending’ to see how much you spend in each category – the leisure one might be good to start with for reducing non-essentials.

You need to be 16 or over to use the app. T&Cs apply.

A man on a laptop and a woman with a pen and calculator are sat together budgeting

Your budgeting guide


We’ve got seven money-management tips to help you set and stick to a budget.


Calendar icon with a pound sign and green tick

Manage your money


Find out how to set up regular payments from the comfort of your sofa, so you can put money away each month.