How to Budget for Training and Race Weekends

Training expenses usually settle into a predictable pattern. Memberships, classes, or coaching tend to repeat month to month. Once they are part of your routine, they are easy to account for.

Race weekends are different.

Costs are spread out over time. You might pay a registration fee months in advance, book travel later, and spend more than usual once you arrive. Meals, transport, and small purchases add up during the weekend itself.

When all of that blends into everyday spending, things start to feel messy. Not because you are spending more, but because of when and where those costs show up.

The real reason expenses feel harder to track

Some payments happen far in advance. Others only appear once you arrive. When everything comes from the same account as groceries and subscriptions, it becomes harder to see what a race weekend actually costs.

That is often where the frustration comes from. The spending is not out of control, it is just harder to read.

A simpler way to keep things clear

One small change can make a big difference. Keep training and race spending together.

That can be one card or one account used for:

• Race registrations

• Travel and accommodation

• Food and transport during race weekends

With bunq, you can create dedicated Bank Accounts for saving and spending, and link Credit Cards to them. When race related costs live in one place, patterns start to show on their own. You see how often you race and what a weekend usually costs, without logging every payment. The overview builds naturally over time.

It also keeps one-off race expenses from blurring your everyday spending.

Everyday spending, without the noise

Once race costs are separated, normal spending becomes easier to follow.

Groceries, subscriptions, and regular weekends stop jumping around. Your monthly rhythm makes more sense, without needing stricter budgets or constant check ins.

Nothing about this setup requires strict limits or frequent check-ins. It simply reduces overlap.

Money during race season

Training and racing often involve travel and cross border payments. That is when your bank starts to matter more.

bunq works across countries and currencies, so paying abroad feels the same as paying at home. With ZeroFX, there are no hidden fees on foreign currency payments, which keeps spending transparent.

Even during busy periods, your savings do not sit still. With high interest on your Savings Account, your money continues to grow in the background.

If you are doing HYROX races, the official bunq x HYROX card offers an easy way to keep race spending together. It also comes with exclusive HYROX perks, including 10% cashback on HYROX Shop orders.

A setup that stays out of the way

Budgeting for training and race weekends does not have to be a whole project.

A small shift in how spending is organized is often enough. When race related costs have their own place, everything else becomes easier to understand.