{"id":511715,"date":"2023-12-18T14:04:45","date_gmt":"2023-12-18T14:04:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=511715"},"modified":"2025-09-04T16:35:24","modified_gmt":"2025-09-04T15:35:24","slug":"improve-your-financial-fitness","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/digital-banking\/improve-your-financial-fitness","title":{"rendered":"Improve your financial fitness"},"content":{"rendered":"<p>Time to get the Lycra on and work those money muscles. Just as we take action to keep  our minds and bodies fit and healthy, there are steps we can take to do the same for our personal finances.<\/p><p>So here are 6 ways to test your financial fitness and make it stronger for the future.<\/p><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block has-padding-top-xsmall has-padding-bottom-xsmall\"><footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text\" style=\"margin: -10px -12px 2px -10px;\"><span class=\"disclaimer_popup--text\">Promoted<\/span><a class=\"has-padding-left-xxsmall\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><\/a><\/footer><div class=\"u-grid u-grid--gutterSmall u-grid--alignMiddle\"><div class=\"u-grid__col u-1\/5@s u-grid__col--orderLast@s\"><a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/uphold-cryptocard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22site%22%3A%22UKFSA%22%2C%22image%22%3A%22https%253A%252F%252Fcdn.finder.com.au%252Ffinder-us%252Fwp-uploads%252Fsites%252F3%252F2023%252F11%252Fuphold-green.png%22%2C%22style%22%3A%22width%253A%2B180px%253B%22%2C%22offer_id%22%3A%2223429%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22b7b902fd-6e7b-4370-99ed-928af517049a%22%2C%22product_name%22%3A%22uphold%22%2C%22provider_id%22%3A%22db7f80b9-e95d-4013-8513-54a75e433a35%22%2C%22provider_name%22%3A%22uphold%2Bbc%22%2C%22post_id%22%3A%22511715%22%2C%22post_path%22%3A%22digital-banking%252Fimprove-your-financial-fitness%22%2C%22post_country%22%3A%22uk%22%7D\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/uphold-green.png\" alt=\"Uphold logo\" style=\"width: 180px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/uphold-green.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/uphold-green.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/uphold-green.png?fit=540 540w\" sizes=\"(max-width: 540px) 100vw, 540px\" loading=\"lazy\"><\/a><\/div><div class=\"u-grid__col u-4\/5@s\"><p>This is a paid content promotion brought to you by Uphold.<\/p><p>The Uphold Card allows you to spend money anywhere in the world. The card is available in both physical and virtual form and offers no foreign transaction fees and low FX rates. <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/uphold-cryptocard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Learn%2Bmore%22%2C%22site%22%3A%22UKFSA%22%2C%22offer_id%22%3A%2223429%22%2C%22niche_code%22%3A%22UKFSA%22%2C%22product_id%22%3A%22b7b902fd-6e7b-4370-99ed-928af517049a%22%2C%22product_name%22%3A%22uphold%22%2C%22provider_id%22%3A%22db7f80b9-e95d-4013-8513-54a75e433a35%22%2C%22provider_name%22%3A%22uphold%2Bbc%22%2C%22post_id%22%3A%22511715%22%2C%22post_path%22%3A%22digital-banking%252Fimprove-your-financial-fitness%22%2C%22post_country%22%3A%22uk%22%7D\">Learn more<\/a>. <\/p><p>Non-Uphold fees may apply. Uphold Card is issued by Optimus Cards UK Limited, a principal member of Mastercard and authorised by the FCA.<\/p><\/div><\/div><\/div><\/article><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"EEx9SVcX7ZM\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/EEx9SVcX7ZM\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/EEx9SVcX7ZM\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/EEx9SVcX7ZM\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">5:34<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-EEx9SVcX7ZM\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>Warm up your wealth-building habits<\/h3><p>As with any workout, you can\u2019t start cold. The first step to improving your financial fitness is to go through some simple exercises to get to know your finances. We\u2019ve listed some key ones below, to get you started.<\/p><ol><li><strong>Get to know your income and outgoings.<\/strong> Before you can properly look to grow your money, you need to know what you\u2019ve got coming in and what you\u2019ve got going out. So check your statements regularly, and set up payment notifications through your mobile banking app.<\/li><li><strong>Set a realistic budget.<\/strong> Budgeting is the foundation of healthy financial habits. However, a budget only works if you can stick to it. Setting a realistic budget, which fits your income and spending habits, will keep your finances in good shape. <\/li><li><strong>Save a consistent amount each month.<\/strong> It\u2019s time to build that savings habit. Saving a consistent amount each month will help grow your savings over time. The easiest way to do this is to set up a standing order so that you add to your savings as soon as you get paid.<\/li><\/ol><h3>Don\u2019t neglect your core (\u2026goals)<\/h3><p>Having a focus and setting yourself some core money goals will incentivise you to stay on track. <\/p><p>Think about what it is you want from your money. Are you saving for a house deposit? Or are you focused on paying off credit card debt? <\/p><p>Whatever your goal is, put a name, a target amount and a deadline against it in order to stay motivated. <\/p><p>Also, remember that your goal is personal to you. So don\u2019t go comparing your financial fitness journey with anyone else\u2019s.<\/p><h3>Don\u2019t let your budget feel the burn!<\/h3><p>If you\u2019re consistently running out of money at the end of each month, then it may be time to re-evaluate your budget. <\/p><p>This doesn\u2019t mean you\u2019ve failed in your journey to tone up your finances. Being aware of what is working and what isn\u2019t will help you achieve your end result. <\/p><p>If you keep busting your budget, then you\u2019ll need to look at where you\u2019re overspending. Adjusting some habits or making some cuts here and there should help you avoid burnout and keep you on the path to achieving your core goals. Subscriptions are a good place to start. Do you need each one? Could you downgrade?<\/p><h3>Consistency is key<\/h3><p>As with your fitness levels, consistency is key when it comes to results. <\/p><p>It can be easy to lose focus. But if you really want to improve your financial fitness, keeping with the programme really makes a difference. <\/p><p>This includes things like paying your credit card balance off in full each month to avoid any interest charges. Or regularly comparing products to make sure you have the best deal or rate.<\/p><p><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/Financial-fitness-1200x628-1.png\" alt=\"Financial Fitness\" class=\"size-full wp-image-294575 aligncenter\" width=\"1200\" height=\"628\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/Financial-fitness-1200x628-1.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/Financial-fitness-1200x628-1.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/Financial-fitness-1200x628-1.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/Financial-fitness-1200x628-1.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/Financial-fitness-1200x628-1.png?fit=1200 1200w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2023\/11\/Financial-fitness-1200x628-1.png?fit=3600 3600w\" sizes=\"(max-width: 3600px) 100vw, 3600px\" loading=\"lazy\"><\/p><h3>Don\u2019t let a splurge throw you off<\/h3><p>We\u2019re not immune to the odd splurge. The main thing is to not use it as an excuse to stop these healthy financial habits altogether. <\/p><p>If you do end up going over one month or not managing to hit your savings goal, make the adjustments you need and get back on track. <\/p><h3>Build your money muscles<\/h3><p>Once you\u2019ve got that financial fitness foundation, it\u2019s time to start making your money work harder for you. <\/p><p>There are different ways to achieve this, but the main ones are through saving, investing or both.<\/p><ol><li><strong>Savings.<\/strong> Rather than your money being a couch potato and not doing anything for you, why not put it to work in an interest earning savings account? If you choose an instant access savings account, you can still access your money at any time. But if you\u2019re looking for a harder workout for your money, and are happy to lock it away for a set period of time, you can look at taking out a fixed rate bond, or a savings account that offers a higher rate in return for, say, only 3 withdrawals a year.<\/li><li><strong>Investing.<\/strong> If you\u2019ve got some spare cash, then you could look into investing. It\u2019s a risky business and there\u2019s no guarantee of returns, but it can help your money grow over time.<\/li><\/ol><p>Finally, make sure you step back and pat yourself on the back now and then. Take a look at the savings account you\u2019ve managed to grow or revel in the confidence you\u2019ve built from sticking to your budget. <\/p><p>Remember your financial fitness is an ongoing journey, and it\u2019s never too late to start toning those money muscles. <\/p>","protected":false},"excerpt":{"rendered":"<p>Time to warm up and get those money muscles working! Here are our 6 steps to help you on your journey towards financial fitness. (Paid content)<\/p>\n","protected":false},"author":1329,"featured_media":517503,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3319],"tags":[2560,3138],"asset_tag":[],"class_list":["post-511715","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digital-banking","tag-latest-2","tag-uphold"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Improve your financial fitness - Finder UK<\/title>\n<meta name=\"description\" content=\"Time to warm up and get those money muscles working! 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