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 “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 out. Get honest, helpful reads at financielle.com 💖💸 Connect with our Partners * 🫶 Get life...
Send us a text Welcome 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 patterns you only spot when you zoom out - How to shift from “I was so sh*t with money” to “this i...
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 alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸 Connect...
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 investing journey. You can download the app here https://dodl.onelink.me/uBIb/zl3xxzv7 Just remember, in...
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 financielle.com 💖💸 Connect with our Partners* 🫶 Get life insurance with our friends at Lifesearc...
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@financielle.com] 💌 You’re not alone in figuring this stuff out. Get honest, helpful reads at [f...
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@financielle.com 💌 You’re not alone in figuring this stuff out. Get honest, helpful reads at financiel...
Send us a text Happy 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 this stuff out. Get honest, helpful reads at [financielle.com] 💖💸 Connect with our Partn...
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 not alone in figuring this stuff out. Get honest, helpful reads at [financielle.com] 💖💸 #...
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 honest, helpful reads at financielle.com 💖💸 #AD Get your ✨free will✨ here (Available until...
Send us a text WE’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.com] 💌 You’re not alone in figuring this stuff out. Get honest, helpful reads at [financielle...
In this bonus episode, Financielle partners with Octopus Legacy to delve into the intricate world of blended family finances. The hosts tackle difficult questions about discussing wills, ensuring fair inheritance for all children (including stepchildren), and protecting assets from future partners through legal instruments like trusts and life insurance. They also share a community success story and emphasize the critical importance of reviewing and updating wills after major life events, offering practical tips and resources for listeners.
This episode explores the pervasive influence of social media "drops" and targeted ads on spending habits, revealing how marketing ploys fuel consumerism. It also delves into the complexities of using credit cards for rewards, cautioning against hidden risks and overspending. The main dilemma uncovers a shocking financial infidelity where a boyfriend secretly spent £6,000 on OnlyFans, severely impacting shared house savings and trust.
The Vault crew unpacks the trend of elaborate "PR stunt" proposals and listener dilemmas, including a couple considering relocating from Spain to the UK for higher earning potential. The main focus is on a woman experiencing tension with her boyfriend as her freelance career takes off and she out-earns him, prompting a discussion on proportional splitting, challenging gender roles, and open communication about financial dynamics in a relationship.
This episode explores the challenges of financial management, beginning with a controversial discussion about office whip-arounds for gifts and the often-unspoken administrative burden on women. It then delves into listener dilemmas, offering empathetic advice for someone feeling stuck in their "build phase" of saving for an emergency fund and practical strategies for an accountant grappling with significant credit card debt and financial shame, exacerbated by ADHD. The hosts emphasize setting boundaries, finding quick wins, and the psychological aspects of money.
The hosts tackle a controversial opinion on inheritance, urging listeners not to rely on it, while also discussing the pitfalls of equity release and blended family inheritance issues. They offer practical advice to a freelancer on tax and pension planning, stressing the need for separate accounts. The episode culminates in a deep dive into a listener's secret £15k debt incurred during maternity leave, exploring the financial and emotional toll, and advising open communication with her husband to tackle it as a team.
The hosts dive into a controversial opinion on unnecessary back-to-school spending, highlighting environmental concerns and societal pressures for designer items. They then provide comprehensive advice on navigating credit defaults, explaining debt snowballing, proactive communication with lenders, and the psychological impact of debt. The episode concludes with a listener's "money win" using sinking funds and a heated discussion on how to challenge sexist remarks from a contractor.
The hosts tackle a controversial opinion on housework distribution before diving into community dilemmas. They first advise a listener stuck in a toxic job, weighing the mental health toll against a substantial equity payout, explaining "golden handcuffs" and offering strategies for workload management and pushback. The second dilemma addresses how much to keep in an emergency fund, discussing factors like job security, life goals, and the benefits of financial protection policies versus simply hoarding cash.
The hosts first delve into the controversial topic of pension entitlement post-divorce, highlighting the gender pension gap and the complex financial and emotional toll of asset division. They then address a listener's query about optimizing an emergency fund versus investing, emphasizing peace of mind and personalized financial planning. Finally, they provide advice to a woman struggling with balancing her career and financial autonomy against familial expectations to join her husband's farm business, discussing the critical importance of ownership and diversified income streams.
This episode explores the controversial idea of pausing a debt-free journey for 'once-in-a-lifetime' experiences, discussing how to balance enjoyment with financial goals and offering practical advice on sinking funds and mindful spending. Listeners' dilemmas include jealousy over friends receiving extensive family childcare help and the awkwardness of managing payments for a hen party, emphasizing clear boundaries and community support. The hosts share insights on breaking impulsive shopping habits and navigating group finances.
The hosts tackle the controversial opinion that financial dependence is risky, sharing their journey of building Financielle with personal financial sacrifices. They delve into listener dilemmas, including a single mother's impulsive house purchase and subsequent capital gains tax questions, and a listener struggling with car finance for a field-based job. The episode emphasizes the power of lean finances, emergency savings, and making logical, rather than emotional, financial decisions to achieve long-term security.
The Financielle team delves into a listener's complex situation: buying a house with a partner who lacks savings, despite her own substantial deposit. They explore legal responsibilities, financial boundaries, and different ownership structures. Another dilemma involves a daughter seeking to help her single mother manage a recent pension lump sum and persistent overdraft, prompting a discussion on retirement planning, budgeting, and the implications of early pension access. The episode also features a controversial opinion on charging adult children rent and a critique of buy now, pay later services.
Financielle discusses the societal pressure to overspend on "life events" like hen parties and gender reveals, often driven by social media. They tackle a listener's dilemma about resisting the urge to buy a new car after a pay rise, emphasizing emergency funds and avoiding finance traps. The hosts also provide in-depth advice on a complex Lifetime ISA situation for high earners, explaining tax implications and optimal strategies for saving a large house deposit while balancing long-term investments.
The hosts discuss the controversial opinion that putting oneself last is self-neglect, particularly for women in relationships, and how this impacts personal fulfillment and financial choices. They tackle listener dilemmas, including whether to buy a car in cash or finance it, and the critical importance of maintaining pension contributions, especially after maternity leave. The episode also provides insightful advice to a 24-year-old freelancer weighing the desire to travel in her 20s against aggressive saving and investing for "Coast FIRE," emphasizing prioritizing experiences during opportune life stages.
This episode delves into personal money choices, from hosts discussing individual housing decisions and the value of branded versus own-brand products to addressing listener dilemmas. The first dilemma covers inconsistent budgeting habits, while the second tackles the challenge of balancing multiple, ambitious financial goals. The hosts offer practical advice on setting up effective financial systems, understanding spending triggers, and prioritizing objectives for long-term financial health.
Financielle partners with Compare The Market to tackle student money dilemmas, from managing loans and avoiding debt to the often-debated choice of living at home. The hosts and community share personal stories, common mistakes like inadequate budgeting and lack of insurance, and practical advice on supplementing income, encouraging students to build healthy financial foundations for life.
This episode delves into the importance of financial communication in relationships, addressing the controversial opinion that partners who avoid money discussions are a red flag. The hosts tackle listener dilemmas, offering empathetic advice on creating flexible budgeting systems for neurodivergent partners and navigating the complex emotional and practical dynamics of family loans. It concludes by discussing wedding gift etiquette for intimate elopements, emphasizing open communication and managing personal guilt.
This episode features candid discussions on the societal pressures around car upgrades for pregnant women and the evolving luxury handbag market, including sustainability and security concerns. Listeners' financial dilemmas are addressed, offering practical advice for tackling significant debt by establishing a functional budget and making necessary sacrifices. The hosts also guide a listener on how to wisely manage a substantial inheritance, focusing on a structured approach with the Financielle Playbook to avoid impulse spending and prioritize long-term financial goals. The importance of strategic career development and leveraging one's network for professional growth is also explored.
The hosts delve into listener confessions, discussing the pitfalls of excessive cost-cutting versus savvy deal-hunting and the financial struggles faced when social pressures lead to overspending on nights out. They also address the paradox of high earners feeling "broke" due to lifestyle creep, offering practical budgeting strategies, the importance of life insurance, and tips for building financial wellness through conscious spending and clear goals.
Laura dives into common financial concerns, addressing a self-employed listener's panic about starting a pension and offering practical steps to begin saving. She then cautions against relying too heavily on credit score websites, explaining potential conflicts of interest and the difference between credit scores and reports. The episode also discusses the strategic use of balance transfers during a debt snowball, emphasizing that they are administrative steps, not a complete solution, and explores the profound financial challenges faced by individuals with health issues, providing advice on cost management and seeking support.
