The Vault with Financielle

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 debt cycle can't restart. 🎉Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 Years"Plus a community win that still makes us smile: £15k overpaid on a mortgage in one year 👏Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [email protected] 💌You're not alone in figuring this stuff out. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 of money"Plus a listener money win we love: a £175 bank-switch bonus, straight onto the loan. 👏Got a money dilemma or a win to share? Tell us anonymously in the Financielle app or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸

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 Financielle community, we'll be back soon with some of our favourite episodes while we take a little break. 🤍In the meantime, check out all the amazing content we have at https://financielle.com/ 💖💸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 in future result in a payment or benefit to our site.

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? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 calculator: https://www.calculator.net/amortization-calculator.html💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*Got a dilemma that's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸Connect with our Partner🫶 Protect yourself and loved ones with our friends at Lifesearch** The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.

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's been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 community or email us at [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 community or email us at [[email protected]] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 Financielle app community or email us at [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸

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 (totally anonymously 🤫) in the Financielle app community or email us at [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 it (totally anonymously 🤫) in the Financielle app community or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

#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 money dilemmas:💸 "My Daughter Spends Like There's No Tomorrow"💸 "I'm Earning More Than Ever But I Have Nothing to Show for It"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 [email protected] You don't have to figure this out alone. More honest money chat at financielle.com

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 community or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 been living rent-free in your head? Share it (totally anonymously 🤫) in the Financielle app community or email [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 Shopping Habit Got Me Back in My Overdraft… Twice 😬”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 [email protected] 💌You don’t have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 starting over… this episode really gets into the reality of managing money in relationships.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 [email protected] 💌You don’t have to figure this out alone. More honest money chat at financielle.com 💖💸

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's BBC finance expert — we're here to help women get their money sh*t together.Whether you're feeling confused, stressed, or just plain nosy about money, you're in the right place. Follow the show on Spotify and come join us in The Vault.

“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 [email protected] 💌You don't have to figure this out alone. More honest money chat at financielle.com 💖💸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 in future result in a payment or benefit to our site.

“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 in future result in a payment or benefit to our site.

“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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸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 in future result in a payment or benefit to our site.

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 home… do we really need life insurance?”If you’ve been meaning to sort this kind of thing but keep putting it off, this episode will help you get started.Your Life Admin Checklist ✅ (#Aff)Write or update your will ✍️ Look into life insurance 💙 → Get a quote here Look into critical illness cover 💙 → Get a quote here💙 Financielle is an Introducer Appointed Representative of LifeSearch Partners Ltd, which is authorised and regulated by the Financial Conduct Authority. This information is for general guidance only and does not constitute financial advice.

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, hen dos, trips, or shared tickets without the awkward chasing. It keeps everything organised, automated, and stops the organiser being left out of pocket.This week, we’re diving into these money dilemmas:💸 “Should we reduce our mortgage term or keep investing?”💸 ”Do I share my inheritance as an unmarried cohabited couple?”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email ⁠[email protected]⁠ 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at ⁠financielle.com⁠ 💖💸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 in future result in a payment or benefit to our site.

“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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Check out the Money MOT in the Financielle app 🤑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 in future result in a payment or benefit to our site.

“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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.

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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸#AD Book a free 15-minute consultation with an amicable expert for guidance on the legal, financial or co-parenting aspects of separation.Enjoyed this episode?Listen to The Divorce Podcast where Kate Daly and her guests look at relationships and separation from different angles, including emotional, legal and social.

“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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸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 in future result in a payment or benefit to our site.

“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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸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 in future result in a payment or benefit to our site.

“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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸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 in future result in a payment or benefit to our site.

“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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.

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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸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 in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸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 in future result in a payment or benefit to our site.*The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 highlights what needs to change to reach themSmall routine tweaks compound into massive resultsYou need a plan that fits into your everyday lifeThen Laura walks through multiple real-life scenarios, including:A single mum with a once-in-a-lifetime opportunity to buy her home with a gifted 10% deposit, and how to balance that against consumer debtA 25-year-old torn between maximising her LISA for a first home and starting long-term investingA listener navigating a debt-free journey while saving for a wedding, and how to balance progress with joyAlong the way, Laura talks through trade-offs, priorities, risk, mindset, and why “perfect” plans aren’t the goal, sustainable ones are.Takeaways:What goal modelling really revealsWhy most money goals fail (no numbers behind them)Why now is the time to model your own goals before JanuaryIf you’re enjoying the Unlocked series, subscribe to The Vault, leave us a review, and tell us how you’re resetting and rebuilding in the comments or the Financielle App community.#moneystory #goalsetting #Financielle #TheVaultUnlocked #moneygoalsConnect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 tracking progress creates healthy dopamineWhy micro tracking leads to macro resultsWhy 2026 is about long-term, sustainable glow ups, not overnight onesThe power of seeing your progress visually with debt, net worth and goal trackersLaura also shares some of her own goals for 2026; from investing more intentionally (LISA, S&S ISA, JISA) to getting the mortgage down and building a lifestyle where saving, spending, investing and giving all work together.Takeaways:Your 2026 glow up is trackable.Tracking is the difference between wishing and doing.Next week, we’ll be modelling some of the Financielle community’s goals and showing how to turn them into realistic, achievable plans.If you’re enjoying the Unlocked series, subscribe to The Vault, leave us a review, and tell us how you’re resetting and rebuilding in the comments or the Financielle App community.#moneystory #goalsetting #Financielle #TheVaultUnlocked #moneygoalsConnect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 heavy right now, you’re not alone, and this episode is here to help you feel calmer, clearer and more in control going into the new year.Links to things we mentioned in the episode:Reflect on 2025 with: UNLOCKED: How Looking Back at Your Money Habits Can Set You Up for Success Take back control of your money with our digital course: The Money Playbook Use code NEWYEAR for 25% OFF Send this to your self-employed friendsConnect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 for future you.In this episode, Laura covers:Why sinking funds are her favourite under-the-radar money habitThe “unexpected” costs that show up every single year (MOTs, birthdays, holidays, Christmas…)Why sinking funds are elite money behaviourHow they remove guilt, overspending and last-minute stressWhy people resist them (yes, they can feel boring… and revealing)How sinking funds create emotional stability, not just financial stabilityHow to set them up using tools like Starling, Monzo and RevolutWhy the Financielle community pushed for the sinking fund tracker and how to use itIf you want to change your spending habits in 2026, you need sinking funds. Save now. Buy later. Feel calmer all year long.If you’re enjoying the Unlocked series, subscribe to The Vault, leave us a review, and tell us how you’re resetting and rebuilding in the comments or the Financielle App community.#moneystory #sinkingfunds #Financielle #TheVaultUnlocked #personalfinanceforwomenConnect 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 in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 stick to budgets (hint: they’re not built for *your* life)- Why a budget isn’t about being strict- How the Financielle budgeting method actually works- The psychology behind it: structure → safety → confidence- Breaking the “new year, new budget I’ll never look at again” curse- How to make budgeting sustainable and enjoyable- How Laura and Carl approach their own check-ins and what really matters each monthYou don’t need the perfect plan — just one you can adjust each month to fit your life, your season and your goals.And your budget tool? It’s the heart of your 2026 routine.If you’re enjoying the Unlocked series, subscribe to The Vault, leave us a review, and tell us how you’re resetting and rebuilding in the comments or the Financielle App community.Join the community by downloading the Financielle App 💖📲 #moneystory #Financielle #TheVaultUnlocked #budgetingroutine #personalfinanceforwomen Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 patterns you only spot when you zoom out- How to shift from “I was so sh*t with money” to “this is actually useful information”She also shares her own reflections — from overspending on food shops to dipping into savings — and why automating her money has been a game-changer.One honest look back can set you up for a better year ahead.If you enjoyed this episode, subscribe to Financielle, leave a review, and join the conversation in the comments or in the Financielle App community. 💖Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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/zl3xxzv7Just remember, investing comes with both risk and reward.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site. Chapters:00:00 Welcome to the Vault00:15 Cozy Studio Vibes00:52 Jigsaw Puzzle Addiction04:30 Childcare Controversy09:30 Winning a Car Dilemma18:53 Entering Competitions: Worth the Cost?19:07 Community Wins and Personal Finance Success Stories19:28 The Importance of Emergency Funds20:00 Building and Maintaining an Emergency Fund21:19 Balancing Fun and Financial Goals22:06 Planning for Potential Emergencies22:58 Insurance and Emergency Funds: Finding the Right Balance23:52 Sinking Funds and Financial Peace of Mind26:24 Pension vs. Property: A Financial Dilemma28:14 Financial Advice for Young Professionals32:35 The Power of Diversification and Future Planning36:39 Understanding and Maximizing Pension Contributions38:41 Closing Thoughts and EncouragementThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [[email protected]] 💌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 Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.Chapters:00:00 Welcome to the Vault00:14 Wardrobe Talk00:40 Prepping for Christmas01:22 Budgeting and Financial Awareness02:43 Family and Social Dynamics06:01 Gift Giving Challenges09:38 Christmas Shopping Strategies15:04 The True Meaning of Christmas16:10 The Voucher Dilemma16:58 Thoughtful Gifting Ideas18:16 Charity Over Gifts21:54 Secret Santa Strategies24:51 Handling Black Friday Temptations34:59 Conclusion and Final ThoughtsThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [email protected] 💌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 Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.Chapters:00:00 Intro00:12 Nail Check and Personal Grooming01:55 Controversial Opinion: Expensive Carrots03:03 M&S Christmas Catalog Discussion10:05 Business Class Dilemma12:37 Navigating Airline Choices and Costs14:02 Community Wins and Success Stories14:44 Rebuilding Finances After Job Loss19:42 The Importance of an Emergency Fund23:23 Balancing Expenses and Savings26:06 Dilemma: Managing Fixed Expenses28:19 Final Thoughts and EncouragementThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [[email protected]] 💌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 Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.Chapters:00:00 Intro00:24 Halloween Vibes and Decorations00:50 Impulse Spending Confessions02:28 DIY Autumn Crafts06:06 Halloween Memories and Traditions12:02 The Haunted House Dilemma17:56 Realizing the True Cost of Home Renovations18:50 Balancing Home Maintenance and Happiness19:44 Budgeting Tips for Home Buyers23:57 The Importance of Tracking Finances28:02 Protecting Your Loved Ones with a Will30:09 Dealing with Unexpected DebtThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn

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 [[email protected]] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at [financielle.com] 💖💸#AD Get your ✨free will✨ here (Available until 31st October, 2025)The cost of the will is covered by Octopus Legacy & their charity partners. Many people choose to leave a gift to charity in their will as a thank-you, but this isn’t required to claim the offer.Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.Visit https://www.financielle.com to download our app.Watch the podcast on YouTube.Follow Financielle for more:▶︎ TikTok▶︎ InstagramAbout Financielle:Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.Recorded and Produced by Liverpool Podcast Studios▶︎ Web ▶︎ Instagram▶︎ LinkedIn