The Vault with Financielle

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...

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...

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...

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 Beh...

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, str...

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&#39...

“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 th...

“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 y...

“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 thevault@financielle.com 💌 You’re not alone in figuring this s...

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 ou...

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 birth...

“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 thevault@financielle.com 💌 You’re not alone in figuring this...

“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 thevault@fi...

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 thevault@financielle.com 💌 You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸 #AD Book a free...

“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 thevault@financielle.com 💌 You’re not alone in figuring this s...

“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 thevault@financielle.com 💌 You’re not alone in figuring this stu...

“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  thevault@financielle.com  💌 You’re not alone in figuring this stuf...