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.
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Send us a text In Episode 52 of The Vault, we discuss this week’s controversial opinion, “People are too obsessed with retirement” before diving into our listener dilemmas: 💸 "My car finance journey was NEARLY over” 💸 "Do I really need a financial advisor for my pension?” We celebrate a listener paying off her credit card, gaining confidence with her money and booking a dream trip to Sicily - completely within budget and without any financial stress! Brava! 🇮🇹🍕🍝 If you’d like to share your...
This episode of The Vault Unlocked dives into the complexities of managing money with fluctuating income, ideal for the self-employed, freelancers, or commission-based workers. It tackles key challenges like consistent pay, tax obligations, and pension planning. The hosts explain practical budgeting methods, including the "work a month behind" and "waterfall budget," and emphasize the importance of robust emergency funds. Listeners will gain actionable strategies and tips for financial stability and growth without the typical stress of unpredictable earnings.
Send us a text In Episode 51 of The Vault, we discuss this week’s controversial opinion, “Pink Tax isn’t real” before diving into our listener dilemmas: 💸 "Should I pay off my student loan or save for a house?” 💸 "Should I be paying towards my husband’s mortgage?” We celebrate a listener’s incredible win of paying off her £1039 credit card balance and committing to cancelling it for good! Despite feeling a bit nervous, she’s set a solid budget and feels confident in her decision. This is a hug...
Unlocked explores the psychology of impulse spending, revealing how dopamine and present bias influence our purchasing decisions. It exposes how companies design frictionless buying experiences, turning shopping into a game of speed, and challenges the glamorization of "retail therapy" by highlighting its true emotional and financial costs. The episode provides actionable strategies, including identifying emotional triggers, implementing no-spend challenges, and using sinking funds and budgeting to foster intentional, guilt-free spending that aligns with personal financial goals.
Send us a text In Episode 50 of The Vault, we discuss this week’s controversial opinion, “Valentine’s Day is a scam” before diving into our listener dilemmas: 💸 "Should we get married for practical reasons?” 💸 "We’re mortgage-free! What should we do with our new excess?” We celebrate a listener who can’t wait to create their budget with a mortgage payment, after buying her first house as a solo buyer! What an amazing achievement! 😍🏠 If you’d like to share your money win, head to the communit...
Unlock the world of investing with practical advice, debunking common myths and highlighting its importance for long-term financial growth. Learn about different investment vehicles like pensions and ISAs, discover when you're truly ready to invest, and explore strategies to build wealth. The episode also shares a powerful community story of one woman's journey to financial control, emphasizing the ripple effect of financial wellness on family and friends.
Send us a text In Episode 49 of The Vault, we discuss this week’s controversial opinion, “Your 20s are NOT for building wealth, your 30s are” before diving into our listener dilemmas: 💸 "Should I give up on my early retirement dreams?” 💸 "I earn £180k but feel guilty spending” We celebrate a brilliant win from one of our community members! After using Monzo Flex for "cash flow purposes" and accumulating £300 in debt from holiday spending and shopping, they took control by doing a smart bank sw...
This episode emphasizes why tracking net worth is a fundamental financial move, helping individuals shift from short-term thinking to a long-term money trajectory. It details how net worth acts as a holistic measure of financial well-being, contrasting outward appearances of wealth with underlying financial reality. Through personal anecdotes and a step-by-step guide, it empowers listeners to understand and calculate their net worth, highlighting the motivation gained from seeing progress, even when starting with a negative balance.
Send us a text In Episode 48 of The Vault, we discuss this week’s controversial opinion, “the 50/30/20 budgeting rule is bullshit” before diving into our listener dilemmas: 💸 "Do we have to downsize after our children have moved out?” 💸 "My brother in law won’t pay us back” We’re super excited for a community member who paid off her first credit card - £3924! 💸✨ On to the next one, you’ve got this! If you’d like to share your money win, head to the community in the Financielle app or email th...
This episode delves into the critical topic of emergency funds, exploring why many struggle to save and the psychological factors behind spending versus saving. It highlights the stark statistics on low savings in the UK and clarifies what constitutes a true emergency fund versus other savings or credit. The discussion emphasizes the emotional benefits and peace of mind an emergency fund provides, sharing a powerful community story to illustrate its impact. Listeners receive actionable steps to build an emergency fund, including budgeting, setting goals, and seeking accountability, alongside advice for optimizing existing funds.
Send us a text In Episode 47 of The Vault, we discuss this week’s controversial opinion, “Cutting back on friends’ celebrations is fine”, before diving into our listener dilemmas: 💸 "Should I prioritise my kids' savings or my pension?” 💸 "We’re in 60k debt, but my boyfriend won’t accept the money to clear it” We’re super excited about a big win! In just 6 months with Financielle, this community member has boosted their net worth by 121.5%! We’re so thrilled and grateful to be part of their mon...
The Vault Unlocked dives deep into consumer debt, exposing how society normalizes it while individuals feel shame, and the deceptive allure of manageable payments that mask true costs. The episode highlights debt's profound impact on financial goals, opportunities, and overall well-being. Listeners are guided through a proven action plan, focusing on awareness, building an emergency fund, and strategic repayment methods like the Debt Snowball, empowering them to break free and achieve a more peaceful, wealthy future.
Send us a text In Episode 46 of The Vault, we discuss this week’s controversial opinion, “Playing the lottery is basically throwing money away”, before diving into our listener dilemmas: 💸 "Should my mum see a financial advisor?” 💸 "They promised me a pay rise, but I’m still being underpaid!” We’re excited to share an awesome community win: they’ve paid off their first debt! 🎉 By using budgeting tools, keeping themselves accountable, and trying out the snowball method, this member has really ...
Send us a text 💸 Welcome to The Vault Unlocked – a special bonus series of The Vault Podcast, where we deep dive into the big money topics no one wants to talk about. Ever set money goals that feel impossible to stick to? In this episode, we dive into why money goals matter, how to create them the right way, and what it takes to stay motivated. Here’s what you’ll learn: Why clear money goals can transform your financial future The secret to setting goals that actually fit your life A step-by-st...
Send us a text In Episode 45 of The Vault, we discuss this week’s controversial opinion, “You don’t need a high income to build wealth”, before diving into our listener dilemmas: 💸 "Stuck between paying off debt and starting a family” 💸 "He has a 'what's mine is mine' attitude” We celebrate an incredible community win: after just two years of using Financielle, one member will have paid off all their consumer debt—an amazing total of £45,086.35! 🎉 If you’d like to share your money win, head t...
Discover how budgeting can bring freedom and clarity, rather than restriction, as this episode explores why traditional methods often fail. Learn the Financielle method for designing a personalized budget that accounts for all income and expenses, including critical sinking funds for irregular costs. This guide shows how to generate and grow your "excess" – your personal profit – to accelerate achieving your financial goals, ultimately transforming your money mindset.
Send us a text In Episode 44 of The Vault, we discuss this week’s controversial opinion, “New Year's resolutions never work”, before diving into our listener dilemmas: 💸 "I'm so overwhelmed with my debt - how do I turn it around this year?” 💸 "I can never stick to my New Year goals.” We celebrate some amazing wins from our community - we’re talking 🌟DEBT-FREE GIRLIES🌟, credit card breakups, weddings, emergency funds and holidays saved for, new jobs, house deposits and more! We couldn’t be pr...
This episode delves into the significant role money plays in relationships, often causing arguments and stress. It highlights how implementing regular "money date nights" can help couples overcome financial incompatibility, align on goals, and build trust. Through practical advice and a real-life success story, listeners learn how to foster open communication, manage shared finances effectively, and turn money from a source of conflict into a tool for connection.
Send us a text In Episode 43 of The Vault, we discuss this week’s controversial opinion, “Cutting out buying coffees won’t make you rich”, before diving into our listener dilemmas: 💸 “Paying double while building up sinking funds?” 💸 “Me and my husband had very different money upbringings” ✨EXCITING UPDATE ALERT ✨ We had a message from a listener who wrote a dilemma featured in Episode 26, “90k debt and my husband has run out of money”… they’ve made amazing progress! Not only have they paid of...
The episode deeply unpacks the pervasive "Buy Now Pay Later" (BNPL) trend, highlighting its deceptive appeal of instant gratification and 0% interest, which often spirals into unmanageable debt and overconsumption. It exposes BNPL companies' profit model, which relies on retailers paying higher fees for increased sales, and explores the significant financial, emotional, and societal consequences, especially for younger generations who are normalizing credit for everyday purchases. The host advocates for conscious consumerism and implementing "sinking funds" – a save-now-buy-later approach – as practical steps toward financial wellness and breaking free from BNPL's cycle.
Send us a text In Episode 42 of The Vault, we discuss this week’s controversial opinion, “Buy cheap, you buy twice”, before diving into our listener dilemmas: 💸 “The jump from managing money together to by myself” 💸 “I’ve fallen off the rails” We celebrate a listener who discovered an unexpected benefit of using Financielle - they have the financial freedom to make a career change and pursue a job they’re passionate about 🥹❤️ If you’d like to share your money win, head to the community in the...
This episode features Laura's personal financial story, from her early days of consumerism and accumulating significant debt to her "lightbulb moment" of shifting focus from chasing wealth to achieving financial wellness. She recounts how a critical budgeting revelation and disciplined debt repayment transformed her life, leading her to create Financielle. The podcast explores how this methodology, designed to empower women, evolved from an Instagram page and a "playbook" into a comprehensive app, guiding users through "Survive, Build, Grow" stages to secure their financial independence.
Send us a text In Episode 41 of The Vault, we discuss this week’s controversial opinion, “You shouldn’t have a personal trainer if you’re in debt”, before diving into our listener dilemmas: 💸 “Should I ditch luxuries while paying off debt?” 💸 “I feel so behind compared to my family and friends” We celebrate a listener who, after dealing with some serious debt and living paycheck to paycheck, has managed to create a £500 sinking fund and an emergency fund, all while staying committed to budgeti...
Send us a text In Episode 40 of The Vault, we discuss this week’s controversial opinion, "'Settling' for a stable job over pursuing a passion is a valid choice”, before diving into our listener dilemmas: 💸 “How should I be saving for my children’s futures?” 💸 “I’m scared to make a mistake with my husband’s life insurance pay out” We celebrate a listener who’s transformed their money mindset, started budgeting, and even inspired their best friend to join them in weekly “Monday Money Meetings”. ...
Send us a text Welcome to The Vault with Financielle. In Episode 39 of The Vault, we discuss this week’s controversial opinion, “Investing is gate-kept and purposely made confusing”, before diving into our listener dilemmas: “We want a wedding AND a house” 💍🏡 "I've been hiding £17,000 of debt since we started dating” 💸 We celebrate a listener who, despite being worried about telling their partner about their debt, took the leap - and was met with incredible support and a commitment to face th...
Send us a text In Episode 38 of The Vault, we discuss this week’s controversial opinion, “Money education should be taught in schools”, before diving into our listener dilemmas: “How do I escape car finance?” "Should I give up the opportunity for an interest free mortgage?” We celebrate a listener who, after two and a half years of hard work and switching careers, has finally paid off £13,000 in credit card debt and is now totally consumer debt-free! She’s ready to channel all her extra cash int...
Send us a text Welcome to The Vault with Financielle. In Episode 37 of The Vault, we discuss this week’s controversial opinion, “Luxury items are a waste of money unless they increase in value over time”, before diving into our listener dilemmas: “Is my housemate’s boyfriend freeloading?” "My whole life is about to change!” We celebrate a motivated Vault listener getting her money $h*t together, going from an emotional, impulsive spender to someone with a clear vision and self-discipline over he...
Send us a text Welcome to The Vault with Financielle. In Episode 36 of The Vault, we discuss this week’s controversial opinion, “9-5s don’t deserve the hate”, before diving into our listener dilemmas: “Should I lock in on my side hustle or start investing?” 📈 "How do I start over after my breakup?” 💪 We celebrate a listener becoming debt-free, starting her wedding sinking fund, and feeling great when transferring to savings on payday rather than buying things she doesn’t need. What a Financiel...
Send us a text Welcome to The Vault with Financielle. In Episode 35 of The Vault, we discuss this week’s controversial opinion, “Everyone should elope”, before diving into our listener dilemmas: “Should I prioritise building wealth or invest ethically?” 📈 "How Do I Get My ADHD Wife on Board with Our Finances?” 💸 We celebrate a listener's incredible progress: since committing to the playbook in July, they've hit their mini emergency fund goal, closed a student overdraft, settled family debts, s...
Send us a text Welcome to The Vault with Financielle. In Episode 34 of The Vault, we discuss this week’s controversial opinion, “Budgeting apps don’t work”, before diving into our listener dilemmas: “I can’t balance my budget with my social life” 🥂 “I’m obsessed with the idea of being debt free” 💸 We celebrate a listener who used her car maintenance sinking fund to dodge the stress of an unexpected car tyre expense 🚘🛞 We’re here for that peace of mind 🧘♀️✨ If you’d like to share your money...
