The quarter closes on 29 August 2026, and whatever is unused goes with it.
Nothing lapses without you knowing. 8 watches the dates on 9 entitlements and speaks up before one runs out.
Anything counts, and the odd ones are the valuable ones: no database will ever hold the 20% your football club gets at the gym down the road.
Add it once and it joins the same ledger as everything else: same dates, same terms, same totals. Share it with your bubble in the same breath, or keep it to yourself.
46 opened, 31 confirmed. Opening only tells us 8 put something in front of you and you looked at it, so it is counted on its own and stays out of the pounds above.
You decide and act. 8 makes sure you know what you've got, and every pound in “confirmed used” is there because you told us you used it.
Cards, tiers, work, loyalty and life in one ledger, nothing linked. £262.40 available right now.
Your vault is only as complete as the odd things you put in it. A union card, a staff rate, 20% at the gym through the football club: anything counts, and the odd ones are the valuable ones because no database will ever hold them.
Whatever you add lands in the same ledger as the rest: your figure, your date, a chip that says you entered it. Then 8 asks the only question that matters next: does your bubble get to see it?
Tap any row for its terms, and to type in a balance 8 can't see. The filter below searches all 9.
No matches. Try “Amex”, “gym” or “rail”.
A Blue Light Card costs £4.99 for two years and unlocks discounts with 15,000+ brand partners, mostly 5–20% off. Eligibility is personal and the card isn't transferable, so only you can apply.
8 watches expiry dates so nothing lapses without you knowing. Alerts are capped at two a week, so anything here cleared a value floor.
Tap an action to see the detail. Your totals only move when you confirm you did it.
You're booked out of Gatwick Friday morning. Ella has told her 8 she's happy to share 2 unused guest lounge passes, so it's worth asking before you pay £35 at the door.
You've used £0 of your quarterly dining credit. 148 participating restaurants take it, and the quarter closes in six days.
The credit is quarterly and doesn't roll over. Whatever's unused when the quarter closes in 6 days is gone.
Your £24 in vouchers is worth £48 with Tesco Reward Partners, and the boost ends this month. £30 of that covers your 26–30 Railcard when it expires next March; the rest is yours to spend.
Converted vouchers can't be converted back, and partner codes have their own expiry, so check before you swap the lot.
Your Monzo Max account includes mobile phone insurance, but you told us you also pay £7.99/mo for a standalone policy. Cancel it and you'd keep the cover, and stop paying £95.88/yr.
Your usual Sainsbury's shop (~£62/wk) earns 5× points Friday to Sunday, about £1.24 more than the same shop on Thursday.
Logged. That took your confirmed-used total to £412 for the year.
Try a suggestion below, or type any purchase you're weighing up.
What you pay for, cross-checked against what you already get.
Each card shows what you pay against what you already have. We show you how; you make the change.
you've told us you've cut so far, with £359.64 more sitting in the overlaps below.
UK consumers waste £1.6bn a year on unwanted subscriptions. 8 can see £359.64/yr of yours still running.
Same catalogue, lossless included. On your own record you've held both since January.
If you're on a Spotify family plan, cancelling cuts off everyone else on it, so check who's attached first.
From what you've logged: its LoungeKey passes only trigger on flights delayed over an hour, the travel insurance duplicates Monzo Max, and the FX allowance on the free tier covers what you told us you spend abroad.
Downgrading mid-term usually forfeits the rest of the paid period, and any in-progress insurance claim can be voided. Settle claims first.
Your Monzo Max account already covers your phone for theft, loss and damage, so on the face of it the standalone policy buys you nothing.
Packaged cover normally lapses the day you close or downgrade the Monzo account. If Max ever goes, the phone cover goes with it.
Your Barclaycard packaged extras already included RAC cover. You cancelled it and told us: the first entry in your cut-costs total, which now stands at £120/yr and is already inside “Confirmed used by you” on your home ledger.
4 people · £398 a year offered between you.
Everything here was offered deliberately by the person who holds it. Asking sends a request they can decline.
Sam wants to train at the Shoreditch site on Saturday. You've offered your 4 Plus guest passes to the bubble, so he can see they exist; approving tells him yes. Nothing is transferred: you still sign him in at the desk.
Guest visits on PureGym Plus require the member present. Sam isn't household, so household-only schemes wouldn't reach him. This one isn't household-only.
Same address is the line that matters. Staff discounts, second cardholders and Avios pooling are usually household-only, and each scheme decides for itself who counts. 8 shows you the clause; it never asserts that you qualify.
Different address, so household clauses don't reach them. Guest passes, 2-for-1s and transferable tickets usually still work, and the terms on each perk below say which.
Counts, not invented totals.
Up to £442 of one-off value below, plus £180/yr from household setup. Each one was switched on by the person who holds it, and none of it counts in the totals above until you use it and say so.
Household sharing permitted under partner discount terms
Guests must enter with the cardholder, so travel together
Guest sharing permitted; book under her membership
Transferable: Sam books, you pay face value
BA Household Account · Clubcard second cardholder · Amex supplementary
Your bubble sees only the perks you switch on, never balances, transactions or anything else financial. 8 never passes credentials, card numbers or account access between people: you see what exists and who to ask, and the two of you sort out the rest.
Anything you're entitled to belongs in the vault, however you came by it. The odd ones are the valuable ones, because no database will ever hold them.
In your own words. Anything counts: the odd ones are the valuable ones, because no database will ever hold them.
Other members have added: a staff rate at a garage, a parish hall booking discount, a union cinema code, cheaper vet fees through a breed club.
Leave it blank and 8 files it at £0, which still counts as an entitlement and still gets watched for dates. Whatever you type is your figure, stamped today, and it moves what's available because your vault genuinely changed. It never moves “confirmed used”: that only ever moves when you tell us you used something.
It's in your vault either way. Sharing just lets the four people in your bubble see that it exists and ask you about it.
Nothing is shared until you switch it on, no balances or account details ever travel, and turning it off hides it again immediately. Sharing is still subject to whoever runs the scheme: some of these stop at your household.
All of this already exists. 8 hasn't opened, added or activated any of it.
Places offers accumulate, not offers 8 can read. Two minutes each. Whatever you find, add it to your vault and it starts counting.
They'll see only the perks you switch on, never balances, transactions or account details. They choose what they offer back.
use8.app/b/aaron-x8k2
Point ChatGPT, Claude or any MCP-aware assistant at your vault. It answers "what do I already have for this?" with your actual perks.
mcp.use8.app/aaron?key=8k-x2f4
Read-only, by design: your assistant sees entitlements, never balances or transactions, and can't act on any of them.
Coming soon. Join the waitlist belowThree links you make yourself with each provider. Mark each one done and we'll count it. 8 can't set them up for you.
Pool Avios from up to 7 people, no shared address needed, so reward flights come round years sooner.
Scan at the till. Swipe between cards.
The long tail: perks members report that no issuer publishes in one place. 8 holds the list; it doesn't vouch for it.
Every entry here is unverified until several independent members confirm it. Nothing here counts towards your available total: adding one files it in your vault at £0, so you can check the terms yourself.
No matches. Try “gym”, “alumni”, “NHS” or “staff”.