The Vault with Financielle

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

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 thevault@financielle.com 💌 Y...

Send us a text This 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 thevault@financielle.com 💌 You’re not alone in figuring this stuff out. Get...

Send us a text Today, 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 realistic...

Send us a text Happy 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 thevault@fi...

Send us a text We’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 fast Why most goals never get reached (too vague, too many, no plan) Ho...

Send us a text Ho 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 feel...

Send us a text UNLOCKED Week 3: Ready for the Year Ahead Last 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...

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 thevault@financielle.com 💌 You’re no...

Send us a text UNLOCKED Week 2: Reset & Rebuild This 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...

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

Send us a text Welcome 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 -...

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 thevault@financielle.com 💌 Yo...

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 you...

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 thevault@financielle.com 💌 You’re not alone in figuring this stuff out. Get honest, helpful reads at...

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 [theva...

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 thevault@fi...

Send us a text Happy 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 [thevault@financielle.com] 💌 You’re not alone i...

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 [thevault@financielle.com]...

Send us a text “You should never lend money to family” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”10 Days Until Payday and Nothing to Fall Back On” 💸 ”A £9 a month payrise is just an insult!” 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 o...

Send us a text WE’VE GOT A VERY SPECIAL EPISODE FOR YOU 🥹 A big announcement, followed by this week’s controversial opinion, “Parents shouldn’t pay for their kids’ weddings”. We then dive into your dilemmas: 💸 ” I can’t bring myself to spend” 💸 ” Is Wedding Debt Really Worth It?” Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [thevault@financ...

Send us a text #ad A special bonus episode, brought to you with our friends at Octopus Legacy 🐙 We’re talking all things blended families and how to protect them. Whether you’re part of a blended family or know someone who's part of one, this episode is not for gatekeeping. "You should never ask family about what’s in the will, it’s rude" -  we unpack this week’s controversial opin...

Send us a text “You don’t need to buy something just because it “dropped”” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”I Pay My Credit Card Off Every Month — Is It Okay to Collect Points?” 💸 ”My boyfriend spent £6,000 on OnlyFans – we were meant to be saving for a house” Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community...

Send us a text “Proposals are starting to look like PR stunts instead of personal milestones” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”Should You Relocate for Better Earning Potential?” 💸 ”I earn more than my boyfriend and it’s starting to cause tension…” Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email the...

Send us a text “We need to cancel office presents” - we unpack this week’s controversial opinion, then dive into your dilemmas: 💸 ”I’m in the build phase and I feel stuck” 💸 ”I’m an Accountant… and I’m Drowning 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 stuff out. Get h...