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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.
45 Episodes
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Send us a textIn 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 off £...
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.In today’s episode, I’m unpacking Buy Now Pay Later (BNPL) and its impact on consumerism.If you’re a fan, hear me out—at best, I may convince you not to use it; at worst, you’ll gain a full understanding of how BNPL can impact your money management.Let’s get into it!✨ What to expect in this episode:The reality of BNPL: the promise...
Send us a textIn 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 Fina...
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.In this kickoff episode, I’m sharing my story—the journey that led to the creation of Financielle.✨ What to expect in this episode:My early dream of wealth, inspired by lottery fantasies and a “Richie Rich” mindsetThe reality of living a Champagne lifestyle on a Prosecco budget: consumer debt, emotional spending, and the pressure ...
Send us a textIn 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 budgeting ...
Send us a textIn 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”. We’...
Send us a textWelcome 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 the cha...
Send us a textIn 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 into...
Send us a textWelcome 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 ove...
Send us a textWelcome 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 Financi...
Send us a textWelcome 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, st...
Send us a textWelcome 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 win, h...
Send us a textWelcome to The Vault with Financielle. In Episode 33 of The Vault, we discuss this week’s controversial opinion, “Your engagement ring should be 3 months' salary, minimum”, before diving into our listener dilemmas: The hidden costs of buying my first home 🏡“Should I repay my ex husband’s debt?” 💸 We celebrate an awesome win from a listener who got a refund and proudly added it straight into her emergency fund instead of spending it - proof of some serious growth! 🤩🌱If you’d like...
Send us a textVisit https://www.financielle.co.uk to join our community!In Episode 32 of The Vault, we discuss this week’s controversial opinion, “All debt is bad debt”, before diving into our listener dilemmas:“Everything I’ve done is about to be taken away”“I found out my male colleagues were getting payrises but not me”We celebrate a win from a listener who got hooked on The Vault after just one episode! They’ve re-downloaded the Financielle app, are diving into sorting their pension, and ...
Send us a textVisit https://www.financielle.co.uk to join our community!In Episode 31 of The Vault, we discuss this week’s controversial opinion, “University is a bad investment”, before diving into our listener dilemmas:I have spending anxietyWe don’t earn the same but we pay the sameWe celebrate a listener’s big win of filling their emergency fund - now safely stashed away in a high-yield account, ready to handle whatever life throws their way!If you’d like to share your money win, head to ...
Send us a textVisit https://www.financielle.co.uk to join our community!In Episode 30 of The Vault, we discuss this week’s controversial opinion, “In a divorce, you should get out what you put in financially”, before diving into our listener dilemmas:“I have a Financielle disaster”“I’m scared to clear my debt!”We celebrate a listener's incredible win as she mastered sinking funds 💪, paid off £4k in credit card debt 💸, and still had enough to surprise her best friend with a wedding cake 🎂👰♀️—...
Send us a textVisit https://www.financielle.co.uk to join our community!Welcome to The Vault with Financielle.How to Save for Christmas, Travel, and Become Debt-Free In Episode 29 of The Vault, we discuss this week’s controversial opinion, “If you don’t have a Christmas sinking fund, you’re screwed”, before diving into our listener dilemmas:- How do I save for everything?- The pandemic royally screwed up my financesWe celebrate possibly our most exciting win ever! After 7 years, 7 months and ...
Send us a textIn Episode 28 of The Vault, we discuss this week’s controversial opinion, “It’s okay to spend when you’re in debt”, before diving into our listener dilemmas:- I can’t give up my bougie membership- I don’t feel as financially free as I should doWe celebrate a savvy community member’s win - they dodged debt by using their emergency fund to cover nearly £300 in car repairs, and they're now excitedly setting up a sinking fund to stay ahead of next year's MOT! 🚗💸If you’d like to shar...
Send us a textIn Episode 27 of The Vault, we discuss the FIRE (Financial Independence, Retire Early) trend, before diving into our listener dilemmas:- ”Am I trying to do too much?” - ”My parents keep avoiding their will”We celebrate a community member's huge win in maintaining a strong net worth despite recent expenses on a new kitchen and a holiday to New York, thanks to continued savings and investment growth! 🥳If you’d like to share your money win, head to the community in the Financi...
Send us a textIn Episode 26 of The Vault, we discuss the controversial opinion, ‘Couples should always combine finances’, before diving into our listener dilemmas:- ”I've always been an 'executive sponsor' for my friends” - ”£90k debt and my husband has run out of money”We celebrate a listener's money win - they switched bank accounts to snag a £175 bonus, received it early, and immediately used it to overpay their loan! 💸 #FinancialFreedom #DebtFreeJourney #GoalsIf you’d like to share y...
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