The Vault with Financielle

Ella Hewitt on dropping out of uni twice, quitting her job with 17,000 followers and no brand deals, and why working in luxury fashion left her broke. 💸 Our first ever guest on The Vault, and she couldn’t be more fitting. Ella was employee number eight at Luxe Collective, grew their socials to hundreds of millions of views, and took a £6,000 pay cut to get through the door in the first place. She...

Two paydays until Christmas 😱 Consider this your sign to start a sinking fund if you haven’t already 👀 Get your Christmas sinking fund guide here 🎄 This week, we're diving into these money dilemmas: 💸 "I've Paid My Student Loan for 5 Years and It's Grown by £15k" 💸 "I Cleared Three Credit Cards in Six Months — Which One Do I Kill Next?" Got a money win worth ce...

Two house deposit dilemmas this week… and both come with a big side of guilt 👀 This week, we're diving into these money dilemmas: 💸 "My 90-Year-Old Grandad Offered Me £14k for a House — Is It Wrong to Say Yes?" 💸 "My Girlfriend Has £20k for Our Deposit. I Have Nothing." Plus Holly's got a dilemma of her own involving an easyJet voucher ✈️ Got a money win worth celebr...

Some dilemmas make you want to shout at your phone… this is one of them 👀 This week, we're diving into these money dilemmas: 💸 "First He Asked Me for a Loan. Then He Asked Me to Be His Guarantor." 💸 "I Drove Into a Bollard — Should I Have Claimed on My Insurance?" Plus a gorgeous win from a listener a year into her money journey — debt sorted, budget nailed, and the firs...

Turns out having the money doesn't switch off the money anxiety… both of this week's dilemmas are from women who've done everything right and still can't bring themselves to spend 👀 This week’s money dilemmas: 💸 "I Earn £90k and Have £87k Saved — So Why Am I Terrified to Spend It?" 💸 "I've Saved Every Penny to Clear My Debt… and I Can't Press 'Pay'...

You asked for updates, and we've got one for you! Betty sent us a voicenote after her dilemma (ep106) about putting all her work expenses on a credit card 🎙️ This week, we're diving into these money dilemmas: 💸 "No More Student Loan, £380 Better Off a Month — What Do I Do?" 💸 "I Turned 40, I'm £17k in Debt, and I'm Done Using Credit for Good" Got a money win w...

"What's the sinking fund you wish you'd set up sooner?” We’re asking Laura some quickfire round questions so buckle up! This week, we're diving into these money dilemmas: 💸 "Can I Use My Emergency Fund to Move to New Zealand?" 💸 "I Struggle to Cover My Basic Costs — Should I Sell My Rental Flat?" Got a money win worth celebrating? Or a dilemma that's been...

What do you do when you're the only person who knows how much debt you're actually in? 😳 This week, we're diving into these money dilemmas: 💸 "I'm 34 With £27k of Debt and No Pension — And My Partner Doesn't Know" 💸 "Buy, Rent or Stay at Home?" Plus an update from Michelle (ep128) — she put her big girl pants on, brought the budget up with the group, and...

We're back! Summer break is officially over and The Vault is open again 💖 This week, we're diving into these money dilemmas: 💸 "I Earn £101k — Has My Pay Rise Cost Me My Free Childcare?" 💸 "My Friends Can't Agree On Our Girls Holiday Budget" Plus a gorgeous update from Tamika & Thomas (ep115) — after their dilemma on combining finances before marriage, there&...

Over 750,000 of you watched this dilemma on socials — so 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 "wellness is for the elite", before diving into two listener dilemmas: 💸 "Should I use my savings to clear my debt?" 💸 "My parents give my brother more financial supp...

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...

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 Af...

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 r...

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 Financi...

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 he...

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 (tota...

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...

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...

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 Financi...

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 Financiel...

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 thevault@financielle.co...

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...

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? Sha...

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?...

#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 rea...