The Vault with Financielle
Welcome to The Vault with Financielle. Hosts Lucy, Laura and Holly delve into the world of money dilemmas from Leechy friends, getting the money ick, the benefits of budgeting and much much more! Nothing is off limits but everything is safe in the Vault.
Episodes
"I've paid my student loan for 5 years and it's grown by £15k" | The Vault Episode 135
Two paydays until Christmas 😱 Consider this your sign to start a sinking fund if you haven’t already 👀 Get your Christmas sinking fund guide here 🎄This week, we're diving into these money dilemmas:💸 "I've Paid My Student Loan for 5 Years and It's Grown by £15k"💸 "I Cleared Three Credit Cards in Six Months — Which One Do I Kill Next?"Got a money win worth celebrating
"My 90-year-old grandad offered me £14k for a house — is it wrong to say yes?” | The Vault Ep 134
Two house deposit dilemmas this week… and both come with a big side of guilt 👀This week, we're diving into these money dilemmas:💸 "My 90-Year-Old Grandad Offered Me £14k for a House — Is It Wrong to Say Yes?"💸 "My Girlfriend Has £20k for Our Deposit. I Have Nothing."Plus Holly's got a dilemma of her own involving an easyJet voucher ✈️Got a money win worth celebrating? O
"First he asked me for a loan. Then he asked me to be his guarantor.” | The Vault Episode 133
Some dilemmas make you want to shout at your phone… this is one of them 👀This week, we're diving into these money dilemmas:💸 "First He Asked Me for a Loan. Then He Asked Me to Be His Guarantor."💸 "I Drove Into a Bollard — Should I Have Claimed on My Insurance?"Plus a gorgeous win from a listener a year into her money journey — debt sorted, budget nailed, and the first holid
"I earn £90k and have £87k saved — so why am I terrified to spend it?” | The Vault Episode 132
Turns out having the money doesn't switch off the money anxiety… both of this week's dilemmas are from women who've done everything right and still can't bring themselves to spend 👀This week’s money dilemmas:💸 "I Earn £90k and Have £87k Saved — So Why Am I Terrified to Spend It?"💸 "I've Saved Every Penny to Clear My Debt… and I Can't Press 'Pay'"Got a money win worth celebrating? Or a dilemma that
"I turned 40, I'm £17k in debt, and I'm done using credit for good” | The Vault Episode 131
You asked for updates, and we've got one for you! Betty sent us a voicenote after her dilemma (ep106) about putting all her work expenses on a credit card 🎙️This week, we're diving into these money dilemmas:💸 "No More Student Loan, £380 Better Off a Month — What Do I Do?"💸 "I Turned 40, I'm £17k in Debt, and I'm Done Using Credit for Good"Got a money win worth c
“I struggle to cover my basic costs” | The Vault Episode 130
"What's the sinking fund you wish you'd set up sooner?” We’re asking Laura some quickfire round questions so buckle up!This week, we're diving into these money dilemmas:💸 "Can I Use My Emergency Fund to Move to New Zealand?"💸 "I Struggle to Cover My Basic Costs — Should I Sell My Rental Flat?"Got a money win worth celebrating? Or a dilemma that's been livin
Age 34 with £27k debt and no pension! | The Vault Episode 129
What do you do when you're the only person who knows how much debt you're actually in? 😳This week, we're diving into these money dilemmas:💸 "I'm 34 With £27k of Debt and No Pension — And My Partner Doesn't Know"💸 "Buy, Rent or Stay at Home?"Plus an update from Michelle (ep128) — she put her big girl pants on, brought the budget up with the group, and the gir
“My friends can’t agree on our girls holiday budget” | The Vault Episode 128
We're back! Summer break is officially over and The Vault is open again 💖This week, we're diving into these money dilemmas:💸 "I Earn £101k — Has My Pay Rise Cost Me My Free Childcare?"💸 "My Friends Can't Agree On Our Girls Holiday Budget"Plus a gorgeous update from Tamika & Thomas (ep115) — after their dilemma on combining finances before marriage, there's a
"£10k saved, £4k owed... Do I clear my debt?"
Over 750,000 of you watched this dilemma on socials — so while we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫This week we debate the controversial opinion "wellness is for the elite", before diving into two listener dilemmas:💸 "Should I use my savings to clear my debt?"💸 "My parents give my brother more financial support th
"I'm going into debt for my son's £400 school trip"
While we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫This week we debate the controversial opinion "maternity leave should be fully paid for at least a year" 🫄, before diving into two listener dilemmas:💸 "I'm going into debt for school trips"💸 "I'm in a PCP agreement with my ex!"Plus a brilliant community win: one listener cut her credit limit so the de
"I have $200k in my pension but only $1,300 in savings… Help"
While we work on the next chapter of The Vault, we're bringing back the episodes you loved most. 🤫 This one kicked off our biggest year yet!We open with a round of Jail or No Jail: "I keep all my money in cash because investing scares me"… guilty or not? 🚨Then we dive into two listener dilemmas:💸 "I Have $200k in My Pension but Only $1,300 in Savings… Help"💸 "I'm Trapped in My Overdraft After 20 Y
"£90k debt and my husband has run out of money"
Over 1 million of you watched this dilemma on socials — so while we cook up the next chapter of The Vault, we're bringing back the episodes you couldn't stop talking about. 🤫This week we debate the controversial opinion "couples should ALWAYS combine finances", before diving into two listener dilemmas:💸 "I've always been an 'executive sponsor' for my friends"💸 "£90k debt and my husband has run out
"I Want to Retire at 45 — Am I Delusional or Is FIRE Actually Achievable?” | The Vault Episode 127
We're closing the Vault for a little while, but we're going out on a high 🥹This week's dilemmas:💸 "I Want to Retire at 45. Am I Being Delusional or Is FIRE Actually Achievable on a Normal Salary?"💸 "My Brother Gets £150 a Month in Pocket Money — How Do I Set Him Up Financially Before He Makes My Mistakes?"Thank you so much for being part of The Vault with Financiell
"He Wants One Joint Account — I Have 10 Sinking Funds” | The Vault Episode 126
When two very different money personalities move in together… something's gotta give 👀This week's dilemmas:💸 "He Wants One Joint Account for Everything — But I Have 10 Sinking Funds and I Cannot Give Them Up"💸 "I Earn a Good Salary, Own 2 Rental Properties, and Still Don't Know What to Do With My Money"Got a dilemma that's been living rent-free in your head? Sha
"I Was Gifted £50k and I'm Buying My First Home Alone” | The Vault Episode 125
From massive life changes to big money gifts, this week's dilemmas are proof that even good things can still keep you up at night 😅This week's dilemmas:💸 "I'm Moving Abroad for Two Years — What Happens to My Pension and ISA While I'm Gone?"💸 "I Was Gifted £50k and I'm Buying My First Home Alone — What Do I Need to Know?"Got a dilemma that's been living rent-free in your head? Share it (totally ano
"I Earn £50k But I Want to Take a £20k Pay Cut” | The Vault Episode 124
This week we're getting into the messy reality of mortgage overpayments, emergency funds, and whether a dream job is worth a £20k pay cut 👀This week's dilemmas:💸 "I've Been Overpaying My Mortgage for Two Years — But I Have Nothing in Savings. Am I Backwards?"💸 "I Earn £50k and Want to Take a £20k Pay Cut — Am I Making a Huge Mistake?"Mentions:🏡 Amortization calculat
“Help! I’m inheriting £300k” | The Vault Episode 123
What would you actually do with a life-changing inheritance? 👀This week's dilemmas go deep:💸 "Help! I’m inheriting £300k"💸 "We're Paying Off £9k of Debt, But I Can't Stop Spending On My Daughter"Plus we asked the community: have you ever used AI for your finances? Would you trust it with your bank statements? 🤖Got a money win worth celebrating? Or a dilemma that'
"Do we stay for the pension or leave for the life we actually want?” | The Vault Episode 122
We asked how much you've spent on a wedding that wasn't yours… and some of your answers were shocking 😅💸This week's dilemmas:💸 "Do we stay for the pension or leave for the life we actually want?"💸 "Is this lifestyle creep or self care?"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app
"I earn £113k and I still don't know whether to rent or buy" | The Vault Episode 121
What's the first thing you cut when money gets tight? Coffee? Eating out? Nails? 👀This week's dilemmas:💸 "I'm 42, buying a house with my younger boyfriend — should we go big on the deposit or invest the rest?"💸 "I earn £113k and I still don't know whether to rent or buy"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app c
“What's the point of saving if life can take it all away?” | The Vault Episode 120
If you won the lottery tomorrow, would you take a lump sum of cash or Set for Life?This week's dilemmas:💸 “My dad worked his whole life just to pay for his own care”💸 "Help! The spreadsheet is his Bible…”Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email us at thevault@financielle.com 💌You
“I Want to Go Self-Employed — But I'm Terrified of Getting the Money Wrong” | The Vault Episode 119
We asked what you refuse to cheap out on… and Heinz, 3-ply toilet roll and a good mattress came up more than we expected 😂This week's dilemmas:💸 "I Want to Go Self-Employed — But I'm Terrified of Getting the Money Wrong"💸 "I Have £10k Saved — Should I Blow It All to Clear My Debt?"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financ
“My Friends Split Everything 50/50 — But We Don't All Earn the Same” | The Vault Episode 118
You told us whether you have or want a second job… and the results might surprise you 👀This week's dilemmas hit different:💸 "My Landlord Wants to Sell and Is Offering Me First Refusal — Can I Actually Buy This House?"💸 "My Friends Split Everything 50/50 — But We Don't All Earn the Same"Got a money win or a dilemma that's been living rent-free in your head? Share it
"I've Been Lying to My Partner About My Salary for Three Years” | The Vault Episode 117
We asked: what money advice would you give your younger self? Tell us in the comments! 👇This week we're diving into two very different but very real money dilemmas:💸 "I've Been Lying to My Partner About My Salary for Three Years"💸 "I Work Two Jobs and Still Can't Make a Dent in My Debt"Got a money win or a dilemma that's been living rent-free in your head? Share
"I'm Earning More Than Ever But I Have Nothing to Show for It" | The Vault Episode 116
#ad A special episode, brought to you with our friends at Compare The Market 💙We asked about the worst lifestyle creep you'd witnessed... and the bestie who "couldn't possibly do economy anymore" had us 😭Compare the Market's latest research shows one in five (20%) said they kept their pay rise a secret from friends and family.This week we're getting into two very real mon
“I’m Hiding £8,000 of Debt From My Partner…” | The Vault Episode 115
We asked your biggest money regrets… and nobody is coming out of this unscathed 😭This week's dilemmas hit close to home:💸 "My Partner Doesn't Know About My Debt — When Do I Come Clean?"💸 "Should You Combine Finances Before Marriage?"Got a money win or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app communi
“I Finally Got My Finances Together… Now I Want to Quit My Job” | The Vault Episode 114
We asked: what do you spend money on that your partner doesn't know about… and the confessions were immaculate 😭This week we're getting into two very different but very real money moments:💸 "I Finally Got My Finances Together. Now I Want to Quit My Job."💸 "I'm Heartbroken, In Debt, and About to Lose My Home — Where Do I Start?"Got a money win or a dilemma that's
"Is It Too Late to Start Investing?” | The Vault Episode 113
We asked you for your most ridiculous purchases… and the justifications did not disappoint 💀From designer bags bought out of spite, to $96 Vegas shots, to a saxophone purchased purely for wedding vibes… no one is safe in this episode 😭But underneath the chaos, we’re getting into some very real money conversations:💸 “My Partner Has Been Investing for Years. I Haven’t Started. Am I Already Behind?”💸
“My Husband Secretly Saved Thousands… Should I Be Furious?” | The Vault Episode 112
We asked married people to share what they wish they knew before getting married… and some of these answers might change how you think about relationships and money 👀This week, we’re diving into these money dilemmas:💸 “My Husband Has Been Secretly Saving Money Behind My Back — Should I Be Furious or Impressed?”💸 “New House, No Savings, and £14k of Debt — Where Do I Even Start?”Secrets, stress, and
Introducing The Vault with Financielle!
The Vault with Financielle is the safe space where we talk all things life and money, and no topics are off limits.Each week, host Lucy is joined by Laura and Holly, co-founders of Financielle, to talk through your real-life money dilemmas. The awkward ones, the messy ones, the "is this normal?" ones. With practical advice, honest conversations, and insights from Laura — Financielle'
“Should I Move Back to London If It Slows My Investing?” | The Vault Episode 111
“I panic when my investments go down and have even sold at a loss”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “LISA or Pension at 34?”💸 ”Should I Move Back to London If It Slows My Investing?”Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email thevault@f
“Was This My Worst Money Decision Yet?” | The Vault Episode 110
“I’ve downplayed my salary to make my friends feel more comfortable”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “We Bought a House… And Now Everything Feels Expensive”💸 ”Was This My Worst Money Decision Yet?”Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch **The above is a tracked link, which tells our partner we sent you and may
“Should I Use My Inheritance to Clear Debt?” | The Vault Episode 109
“I think I depend too much on my partner”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “What Should You Do With an Extra £250 a Month? Invest it or enjoy it?”💸 ”Should I Use My Inheritance to Clear Debt?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out.
“Should I Leave Everything To My Partner?” (Legacy Week Special) | The Vault Episode 108
We’ve got a special episode for you as part of our Legacy Week at Financielle. This week, we’re focusing on getting your life admin sorted and making sure the people you love are protected 💙In this episode, we’re answering your real-life dilemmas:💸 “Do I leave everything to my husband… or protect my eldest?”💸 “I waited too long to get life insurance… is it too late?”💸 “We’ve just bought our first
“Should we reduce our mortgage term or keep investing?” | The Vault Episode 107
Re-releasing this episode due to a technical issue with the previous upload. Everything else is the same!“My friend owes me money and seems to have forgotten but I’m too scared to mention it to her”… jail or no jail? 🚨👀If you’re the friend who always ends up fronting the money for group plans, this one’s for you. We mentioned Collctiv – a simple way to collect money for things like birthdays
“My partner left and I’m £37,000 in credit card debt” | The Vault Episode 106
“I upgraded my phone even though my old one worked perfectly”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “My partner left and I’m £37,000 in credit card debt”💸 ”My job expenses pushed me £5,000 into debt”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff ou
“Should I Pay Off My High-Interest Loan First — Or Save Instead?” | The Vault Episode 105
“I booked a holiday before checking if I could actually afford it”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I’ve got a high-interest loan, should I overpay or save instead?”💸 ”Our retirement plans have changed forever and I don’t know how to plan now”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financiel
“I Sacrificed My Career for Our Family — Now I’m Being Punished for It” | The Vault Episode 104
This week, we’re diving into these money dilemmas:💸 “Is it possible to have a positive breakup?”💸 “I sacrificed my career and now I’m being punished for it”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸#AD Book a free 15-minute
“My Husband Earns More… So Why Am I the One in Debt?” | The Vault Episode 103
“I avoid talking about money with my partner because it’s too awkward”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “Am I Overthinking Baby Savings?”💸 ”My Husband Earns More… So Why Am I the One in Debt?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out.
“Debt-Free vs Moving Abroad: Which Comes First?” | The Vault Episode 102
“I compare my money journey to people online”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I Quit My Job… And Then They Offered Me Everything I Wanted”💸 ”Debt-Free vs Moving Abroad: Which Comes First?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. G
“Should I Sacrifice My Mental Health to Save Money?” | The Vault Episode 101
“I haven’t asked for a pay rise because I feel guilty”… jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I Was Scammed Out of £4k… What Do I Do Now?”💸 ”Should I Sacrifice My Mental Health to Save Money?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get
“I’m Trapped in My Overdraft After 20 Years” | The Vault Episode 100
“I keep all my money in cash because investing scares me” … jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I Have $200k in My Pension but Only $1,300 in Savings… Help”💸 ”I’m trapped in My Overdraft After 20 Years”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stu
"Do I Blow Three Months of Savings… or Risk Family Drama?" | The Vault Episode 99
Send us a text“My long term partner doesn’t know I have a f off fund” … jail or no jail? 🚨This week, we’re diving into these money dilemmas:💸 “I’m Covering Everything Alone While He Dodges Child Support”💸 ”Do I Blow Three Months of Savings… or Risk Family Drama?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not
“My Boyfriend Used Me for £3,000… What Do I Do Now?” | The Vault Episode 98
Send us a textThis week, we’re playing “Jail or No Jail” with your money confessions 👀 then diving into your dilemmas:💸 ”I feel a credit card purchase coming on…”💸 ”My Boyfriend Used Me for £3,000… What Do I Do Now?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, h
UNLOCKED: Modelling Your 2026 Money Goals – Real Plans, Real Numbers
Send us a textToday, we’re turning goals into plans.In this final episode of the Unlocked series, Laura models real 2026 money goals live using real submissions from the Financielle community to show what goal modelling actually reveals, and why numbers are the difference between wishing and doing.We start with a quick refresher on why modelling works:It shows whether your goals are realisticIt hi
NYE Chaos: Confessions, Goals & What to Do Next With Your Money | The Vault Episode 97
Send us a textHappy new yeaaaaar! 🎆This week, we’re playing a NYE edition of “Jail or No Jail” with your money confessions 👀 Then we chat through our personal money goals, celebrate an amazing money win and jump into a listener dilemma:💸 “I’ve changed my financial life - now what?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financiel
UNLOCKED: Goal Setting – How to Track Your Way to a 2026 Glow Up
Send us a textWe’re finally at the goal-setting part of the journey — and this isn’t about overwhelming yourself with huge targets you forget by February. It’s about building goals that fit into your monthly routine so you actually hit them.In this episode, Laura talks about:Why we all love a fresh start but lose motivation fastWhy most goals never get reached (too vague, too many, no plan)How tra
“We’ve overspent this Christmas” & How to Reset for 2026 | The Vault Episode 96
Send us a textHo ho ho! Here’s a special Christmas Eve episode of The Vault 🎄🎁This week, we’re getting festive with a brand new game, “Jail or No Jail”, using your money confessions! We also share a Twixmas money checklist to help you reset between Christmas and New Year, and dive into a community dilemma we know so many of you will relate to:“We’ve overspent this Christmas” 🫣If money feels a bit
UNLOCKED: Ready for the Year Ahead – The Most Underrated Money Habit
Send us a textUNLOCKED Week 3: Ready for the Year AheadLast week we touched lightly on sinking funds. This week, we’re going all in because your year will fail without them (sorry, not sorry).In a world of credit and BNPL, saving up for the things you want is one of the most underrated money habits there is. Sinking funds are about delayed gratification, being prepared, and having money waiting fo
“Should I Use Child Benefits For My Debts?” | The Vault Episode 95
Send us a text“Debt-free status is way more important than a luxurious lifestyle” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Do I sacrifice take-home pay for a bigger pension?”💸 ”Should I use child benefits for my debts?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone
UNLOCKED: Reset & Rebuild – How to Create a Budget You’ll Actually Stick To
Send us a textUNLOCKED Week 2: Reset & RebuildThis week, we’re talking about the budgeting tool: the heart of your routine and the thing most people get wrong.In this episode, Laura opens with a mini rant about how budgeting gets framed as restrictive and punishing… even though we build routines for everything else in life but somehow still wing it with our money.We get into:- Why people don’t
“Do I Still Need My F**k-Off Fund?” | The Vault Episode 94
Send us a text“Spending your younger years travelling is shortsighted” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Should I increase my credit card allowance?”💸 ”Should I still have an F-off fund?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff ou
UNLOCKED: How Looking Back at Your Money Habits Can Set You Up for Success
Send us a textWelcome to The Vault Unlocked with Laura from Financielle! We’re kicking off a five-week Unlocked series, and first up is all about ✨reflection✨. Looking back at your money habits can feel awkward and icky, but it’s the secret to actually getting ahead.In this episode, Laura dives into:- Why we avoid checking our accounts- Why a “fresh start” doesn’t magically fix everything- The pat
"I’m Scared To Move In With My New Partner" | The Vault Episode 93
Send us a text“Using a boyfriend to fund your lifestyle is embarrassing” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Is my job costing me too much?”💸 ”I’m scared to move in with my new partner after losing everything once before”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not
Where to Start with Investing | The Vault Episode 92
Send us a text#ad A special investing episode, brought to you with our friends at AJ Bell Dodl 📲🤑The Financielle team walk you through their personal investing journey and chat through community dilemmas. If you're curious about investing and want to get started - this episode’s for you. 🫵💰Thanks to our episode sponsors Dodl. The low-cost, little-effort app designed to help you on your invest
"Should I Invest in my pension or property?" | The Vault Episode 91
Send us a text“30 free hours childcare is a scam” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I just won a car…”💸 ”Should I Invest in my pension or property?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financi
“15 People to Buy For… and I’m Still Paying Off Debt” | The Vault Episode 90
Send us a text“There’s nothing wrong with saying ‘my budget’s tight this year” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”15 People to Buy For… and I’m Still Paying Off Debt”💸 ”I’ve fixed my money situation… but I still don’t trust myself around sales”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [thevault@fi
“Rebuilding My Finances From Scratch After Losing My Job” | The Vault Episode 89
Send us a text“M&S are taking the piss with their £8 carrots this year” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Can I afford business class and if so, am I allowed to treat myself?”💸 ”Rebuilding My Finances From Scratch After Losing My Job”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financie
The Debt That Rose From the Dead | The Vault Episode 88
Send us a textHappy Halloween! 🎃“We’ve turned halloween into another reason to overspend” - we unpack this week’s controversial opinion, then dive into your dilemmas:👻 ”My ‘Dream Home’ is a Haunted House” 🧟♀️ “The Debt That Rose From the Dead”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [thevault@financielle.com] 💌You’re not alone in figuring
“I’m Changing Careers — But I’m Sad About Slowing Down My Money Goals” | The Vault Episode 87
Send us a text“You’ll never “save” your way to wealth” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Should we contribute equally to our Christmas Sinking Fund?”💸 ”I’m Changing Careers — But I’m Sad About Slowing Down My Money Goals”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [thevault@financielle.com] 💌You’re
“10 Days Until Payday and Nothing to Fall Back On” | The Vault Episode 86
Send us a text“You should never lend money to family” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”10 Days Until Payday and Nothing to Fall Back On”💸 ”A £9 a month payrise is just an insult!”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get
A BIG ANNOUNCEMENT & “Is Wedding Debt Really Worth It?”| The Vault Episode 85
Send us a textWE’VE GOT A VERY SPECIAL EPISODE FOR YOU 🥹A big announcement, followed by this week’s controversial opinion, “Parents shouldn’t pay for their kids’ weddings”. We then dive into your dilemmas:💸 ” I can’t bring myself to spend”💸 ” Is Wedding Debt Really Worth It?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [thevault@financielle.co
How Do We Keep Things Fair in Our Blended Family? | The Vault Episode 84
Send us a text#ad A special bonus episode, brought to you with our friends at Octopus Legacy 🐙We’re talking all things blended families and how to protect them. Whether you’re part of a blended family or know someone who's part of one, this episode is not for gatekeeping."You should never ask family about what’s in the will, it’s rude" - we unpack this week’s controversial opinion,
“My Boyfriend Spent £6,000 on OnlyFans” | The Vault Episode 83
Send us a text“You don’t need to buy something just because it “dropped”” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I Pay My Credit Card Off Every Month — Is It Okay to Collect Points?”💸 ”My boyfriend spent £6,000 on OnlyFans – we were meant to be saving for a house”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or em
”I earn more than my boyfriend and it’s starting to cause tension…” | The Vault Episode 82
Send us a text“Proposals are starting to look like PR stunts instead of personal milestones” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Should You Relocate for Better Earning Potential?”💸 ”I earn more than my boyfriend and it’s starting to cause tension…”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@
”I’m an Accountant… and I’m Drowning in Debt” | The Vault Episode 81
Send us a text“We need to cancel office presents” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I’m in the build phase and I feel stuck”💸 ”I’m an Accountant… and I’m Drowning in Debt”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out. Get honest, h
”I’m £15k in Debt and Hiding It from My Husband” | The Vault Episode 80
Send us a textHello there! Here are the links to the episodes we mentioned:✨ How to budget when you're self employed [https://www.youtube.com/watch?v=fchAFlFJw4M&pp=ygUZZmluYW5jaWVsbGUgc2VsZiBlbXBsb3llZA%3D%3D]✨ Why you're overthinking pensions [https://www.youtube.com/watch?v=gBDCDMzvwAI&pp=ygUTZmluYW5jaWVsbGUgcGVuc2lvbg%3D%3D]🍼 Also, as promised, the maternity leave blog: [http
“I Said Yes. He Still Asked My Husband.” | The Vault Episode 79
Send us a text“You don’t need to send your child back to school with the latest gear” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Can You Bounce Back from a Credit Default?💸 ”Builders will only listen to my husband”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figu
“Do I Stay in a Toxic Job for a Big Payoff?” | The Vault Episode 78
Send us a text“The person who earns less shouldn’t automatically do more housework” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Do I Stay in a Toxic Job for a Big Payoff?”💸 ”How much should I really have in my emergency savings?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not
“Am I being pushed into the family business?” | The Vault Episode 77
Send us a text“You’re not entitled to someone else’s pension after divorce” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Is My Emergency Fund Just Wasting Away?”💸 ”Am I being pushed into the family business?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring thi
“I Said I’d Help Plan the Hen Do, Not Pay for It” | The Vault Episode 76
Send us a text“You’re allowed to pause your debt free journey for once in a lifetime experiences” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I’m jealous of people who get more help with their children”💸 ”I Said I’d Help Plan the Hen Do, Not Pay for It”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [thevault@fi
“I Panicked And Bought A House” | The Vault Episode 75
Send us a text“Being financially dependent on ANYONE is risky” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I went into panic mode and purchased a new house”💸 ”I Can’t Afford a Car Without Finance — What Should I Do?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in fig
"He Has No Savings, I Have £50k - Should We Still Buy a House Together?” | The Vault Episode 74
Send us a text“Your parents should NEVER charge you rent” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Boyfriend doesn’t have a house deposit but I do”💸 ”How Do I Help My Mum Without Taking Over?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this stuff out.
“Why Can’t I Just Enjoy My Pay Rise?” | The Vault Episode 73
Send us a text“Life events have gone too far” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I Got a Pay Rise and Now I Want a New Car… Help!”💸 ”I’ve Saved £27k in My LISA… But Our House Budget Is Too High to Use It”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuri
Save Money or Travel the World? | The Vault Episode 72
Send us a text“Putting yourself last isn’t budgeting, it’s self neglect” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”Should I buy my next car in cash or finance it?”💸 ”Do I keep saving or go live my 20s?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this s
“I’m Great With Money… For 5 Days a Month” | The Vault Episode 71
Send us a text“No one needs branded food. You’re paying for a logo, not better nutrition” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I’m great with money… for 5 days a month”💸 ”I’m Doing Everything Right… So Why Am I Still Struggling?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You
Tips to Handle Money at Uni (Without the Stress)
Send us a text#ad A special bonus episode, brought to you with our friends at Compare The Market 💙We’re talking all things student money: relatable dilemmas, student money mistakes and wise words from the Financielle community. Whether you’re a student or someone who supports one - this episode’s for you 🎓 “Living at home during uni is the smartest financial move – not a cop out” - we unpack this
If Your Partner Won’t Talk Money… RUN | The Vault Episode 70
Send us a text“If your partner won’t talk money, run” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”How do we budget as a couple when one of us is neurodivergent?”💸 ”Do I contribute to my friends wedding?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re not alone in figuring this st
Your First Month Without Credit: Survive + Thrive | The Vault Episode 69
Send us a text“You don’t need a car upgrade when pregnant” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”First Month Without Credit — Please Send Help”💸 ”I’ve worked so hard to get debt-free… now I’m scared of blowing my inheritance.”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email thevault@financielle.com 💌You’re
"I’m Earning More Than Ever… So Why Am I Still Broke?" | The Vault Episode 68
Send us a text🫢“Being obsessed with cutting costs is a waste of time and energy” 💸 ”I ruin my budget every time I go out”💸 ”I’m earning more than ever… so why am I still broke?”❤️ Ready to protect your future? Visit financielle.com/protection.🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retiremen
UNLOCKED: Self-employed and behind, credit score warnings and balance transfers
Send us a textThis week’s Unlocked is for anyone who’s ever thought, “Am I too late?” or “Am I doing this all wrong?”From pensions (or the lack of them) to balance transfers during the debt snowball, Laura’s diving into real questions from the community.Also in the chat:Why you might want to be cautious with credit score websitesWhen health issues impact your finances... what now?---------Connect
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