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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.
81 Episodes
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Send us a text In Episode 61 of The Vault, we discuss this week’s controversial opinion, “We NEED to break up with influencers”. We then dive into our listener dilemmas: 💸 "Should I be able to manage my money by now?” 💸 ”Buying alone or waiting for my partner” We celebrate this wonderful community win: “I discovered this podcast a couple of weeks ago and have caught up on all the episodes. Great to hear helpful realistic advice about finances and has really inspired me to improve my own situa...
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. Today, we’re talking life admin, mortgage renewals, tracking your net worth and credit scores. 💬 Have a question or a topic you’d love us to unlock next? Email us at [thevault@financielle.com](mailto:thevault@financielle.com) 👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story t...
Send us a text In Episode 60 of The Vault, we discuss this week’s controversial opinion, “Cash stuffing is SO outdated”. We then dive into our listener dilemmas: 💸 "Is it better to overpay on your mortgage or save for a bigger deposit?” 💸 ”Am I allowed to take a break on my debt pay off journey?” We celebrate a listener who’s paid off all her Buy Now Pay Later debts (good riddance!) and is now working on her credit card debts - debt free here we come! 💸🤑 #CommunityWin #DebtFree If you’d like ...
Send us a text 💸 Welcome to The Vault Unlocked – the bonus series of The Vault where we deep dive into the big money topics no one wants to talk about. This week, we’re digging into the chaos Trump caused in the markets with his sudden tariff U-turn — and what it means for your investments, your retirement, and your next move. We’re answering: What actually is a tariff and why do they cause so much chaos?Is now the time to invest or just ride it out?Why dollar cost averaging wins in the long ...
Send us a text In Episode 59 of The Vault, we discuss this week’s controversial opinion, “You should NOT be exchanging money with children for doing chores”. We then dive into our listener dilemmas: 💸 "Holidays are the new car finance” 💸 ”Am I behind on my salary progression?” We celebrate a listener who feels on top of her finances for the first time ever! 🌟👏 She’s completely paid off her credit card, got £500 in her emergency fund, set a budget, and is loving the community in the app! #Comm...
Send us a text 💸 Welcome to The Vault Unlocked – the bonus series of The Vault where we deep dive into the big money topics no one wants to talk about. Today, we’re talking about money and neurodivergence. Whether you have ADHD, Autism, Dyslexia or another condition under the neurodiversity umbrella, managing money can feel overwhelming—but that doesn’t mean you can’t take control. 💪 From impulse spending to forgetting bills, we’re breaking down the real challenges neurodivergent people face ...
Send us a text In Episode 58 of The Vault, we discuss this week’s controversial opinion, “We should be allowed to say no to hen dos with no issues". We then dive into our listener dilemmas: 💸 "How do I stop my sisters hen do from sending us into debt?” 💸 ”Should I keep my rental property or sell up?” We celebrate a listener who officially paid off her student loan in full and feels a massive sense of relief! With an extra 9% of her payslip each month, she’s now focusing on overpaying her mort...
Send us a text *just a note - we had the video and some audio files error post filming so you may hear a couple of glitches - so it's not perfect but we still wanted you to have the episode so we put it out anyway. Team Financielle xxxx* 💸 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. Today, we’re answering your questions. Coming up in this episode: 1️⃣ How do I talk about money to my frien...
Send us a text In Episode 57 of The Vault, we discuss this week’s controversial opinion, “It’s absolutely fine to take your children out of school to go on holiday”. We then dive into our listener dilemmas: 💸 "I feel like I’ve wasted my 20s and nearly my 30s” 💸 ”Do I help my boyfriend get rid of his debt?” We celebrate this incredible win! 🎉 After being screwed over by her ex and left with £30k of debt at 23, she thought she had five more years to go. But with Financielle’s help, she’ll be de...
Send us a text 💸 Welcome to The Vault Unlocked – the bonus series of The Vault where we deep dive into the big money topics no one wants to talk about. Today, we’re tackling debt shame—and how it might be holding you back. If you’ve ever felt guilty, embarrassed, or even paralysed by the thought of your debt, you’re not alone. But here’s the truth: guilt doesn’t create better money habits—taking action does. In this episode, we’re breaking down: Why debt shame keeps so many people stuck in si...
Send us a text In Episode 56 of The Vault, we discuss this week’s controversial opinion, “The whole “personal finance is personal” thing is a cop-out — there are universal truths we should all follow”. We then dive into our listener dilemmas: 💸 "Should I disclose my net worth?” 💸 ”My kids are costing me the earth!” We celebrate a listener who for the first time EVER is ending the month with an excess! 💸✨ This is proof that budgeting can truly change your money story 🤑 If you’d like to share y...
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. Today, we’re tackling one of the UK’s biggest money obsessions: property investment. We’ve all heard that buying property is the ultimate way to build wealth—but is it really as easy (or profitable) as it seems? In this episode, we’re breaking down: Why property is seen as the wealth builder—and if that still holds true todayThe...
Send us a text In Episode 55 of The Vault, we discuss this week’s controversial opinion, “We should be doing all of our spending on credit cards”. We then dive into our listener dilemmas: 💸 "I’m a London shopaholic in the trenches” 💸 ”I’m in student loan HELL” We celebrate a listener who, after just a few weeks with Financielle, has completely shifted her mindset! She’s gone from overspending to feeling fiercely protective of her money. Now she’s chasing the buzz of saving instead 🤩 With payd...
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. Today, we’re doing something different: answering your questions. We get SO many DMs, emails, and comments, and this is our chance to break them down. No question is too big, too small, or too awkward. In this episode: 1️⃣ How do I convince my mum to get life insurance? 2️⃣ Should I clear £6k of debt before buying a house? 3️⃣ H...
Send us a text #AD We’ve got a special episode for you as part of our Legacy Week at Financielle. We’re encouraging you to get your protection life admin sorted. We’re talking wills, life insurance, critical illness cover, etc. Laura shares a difficult personal story about a dear friend, in the hope of inspiring some of the millions of people without a will to make one and ensure their wishes are followed. ❤️ We’re also answering these listener dilemmas: 💸 "I can’t afford life insurance” 💸 "M...
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. Today, we’re tackling a huge financial blind spot—protection. We all focus on making money, saving money, and investing money… but what about protecting it? Because the truth is, no matter how well you plan, life can throw curveballs—illness, job loss, or worse. So, let’s break it down: Do you really need life insurance if you d...
Send us a text In Episode 53 of The Vault, we discuss this week’s controversial opinion, “Savings accounts are a waste of time apart from to keep your emergency fund in”. We then dive into our listener dilemmas: 💸 "My flatmate’s girlfriend has overstepped” 💸 "I lost my job 2 days before starting, help!” We celebrate a listener who has paid off 3.5k in debt! 😲 More importantly, using the Financielle app has helped her pay attention to her money - she says she was wasting so much without realis...
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. Today, we’re doing something a little different. I want to answer your questions. We get SO many DMs, emails and comments from you all and this is our chance to dive deeper into the topics you care about most. No question is too big, too small or too awkward. Coming up in this episode: 💸 I always feel guilty for spending money, ...
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 mo...
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. Today we’re getting into something that trips so many people up: managing your money when your income isn’t predictable. Whether you’re fully self-employed, freelancing on the side, or working on commission, this episode is for you. We’re answering the big questions: How do you pay yourself consistently when some months are boom...
1Send 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 hu...
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. Today, we’re tackling impulse spending—because let’s be real, we’ve all been there. That late-night scroll, the dopamine rush of hitting “buy,” and the regret that follows when you check your bank balance. But impulse spending isn’t just about willpower—it’s psychological, emotional, and even designed to happen. Here’s what we’r...
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 community...
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. Today, we’re tackling **investing**—and no, it’s not just for the wealthy or finance experts. Investing is for everyone, no matter where you’re starting from, and today, we’re showing you how simple it can be. Here’s what we’re unlocking in this episode: - What investing really is—and why it’s easier than you think - Why you’...
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 s...
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. Today, we’re tackling net worth—and no, it’s not just for celebrities or the ultra-rich. Tracking your net worth is the ultimate financial move, no matter where you’re starting from, even if you’re in debt. Here’s what we’re unlocking in this episode: What net worth really means and why it’s a better measure than incomeThe asset...
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...
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 episode, we’re tackling the topic of emergency funds—the ultimate financial safety net. We explore why so many people struggle to save, unpack the psychology behind spending vs. saving, and share actionable steps to build an emergency fund from scratch. Whether you’ve got £0 saved or you’re ready to level up your fund,...
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 mo...
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, we’re diving into debt—the thing no one wants to talk about but so many of us face. Debt can feel like a quick fix, but over time, it starts to hold you back. Whether you’re in debt, working to get out, or celebrating a debt-free life, this episode is for you! Here’s what we’re exploring: Why debt feels manag...
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 ...
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...
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. Budgeting gets a bad rap—it’s seen as restrictive, boring, and only for those struggling financially. But what if budgeting could be the key to freedom, clarity, and progress? In this episode of The Vault Unlocked, we’re exploring: Why budgeting has such a bad reputation—and how to flip the narrativeCommon pitfalls like rigid ru...
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 pro...
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. Money is one of the biggest reasons couples argue—and even break up. But what if it didn’t have to be that way? What if managing money could bring you closer? In this episode of The Vault Unlocked, we’re diving into: - The top money challenges couples face—and why so many feel financially incompatible - How money date nights ...
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 p...
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 p...
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...
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 press...
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 bud...
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 Meeting...
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 the ...
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 in...
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...
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 Fin...
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 d...
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 mo...
Send us a text Welcome 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 yo...
Send us a text Visit 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 pensi...
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