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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 changed their money mindset and is ready to take on the rest of their debts. Their story shows us all that it’s never too late to get a handle on your finances. 💸

If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com

Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Chapters:
00:00 Introduction
00:47 Welcome to The Vault
01:02 Nostalgic Memories and Fun Chats
02:41 Controversial Opinion: Playing the Lottery
04:01 The Reality of Lottery and Syndicates
10:53 The National Lottery and Its Impact
14:29 Dilemma: Should My Mum See a Financial Advisor?
19:40 The Reality of Bank Fraud
20:26 Managing Retirement and Emergency Savings
21:35 Debt Management Strategies
22:42 Financial Advisors and Investment Caution
25:58 The Emotional Journey of Paying Off Debt
31:53 Navigating Workplace Pay Discrepancies
37:50 Final Thoughts on Career Decisions
41:10 Closing Remarks

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
▶︎ Instagram

About 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

💸 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
• A step-by-step guide to creating SMART money goals
• How to stay motivated, overcome setbacks, and celebrate wins

This episode is packed with practical tips and tools to help you take control of your money and achieve your goals. Don’t forget to write your letter to your future self—it could change everything.

💬 Have a topic you’d love us to unlock next? Email us at hello@thevault.com

👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

Download the Financielle app and start reaching your money goals today! https://www.financielle.com

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
▶︎ Instagram

About 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

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 to the community in the Financielle app or email thevault@financielle.com

Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Chapters:
00:00 Introduction
00:45 New Year Reflections and Traditions
01:47 New Year Celebrations and Personal Stories
09:45 Controversial Opinions on Wealth
14:46 Dilemma: Balancing Debt and Starting a Family
20:41 Budgeting for IVF and Childcare
22:38 Community Success Story
24:20 Financial App Promotion
24:57 Relationship and Financial Dilemma
28:40 Advice on Financial Independence
29:48 Legal and Financial Protections
37:00 Final Thoughts

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
▶︎ Instagram

About 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

💸 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 narrative
• Common pitfalls like rigid rules, guilt, and forgetting irregular expenses
• The Financielle Budgeting Method—a simple, flexible way to take control of your money
• How to work with your emotions when budgeting, from guilt to frustration
• Why budgeting isn’t restrictive—it’s empowering

This is your guide to creating a budget that works for you and transforms your money mindset.

💬 Have a topic you’d love us to unlock next? Email us at hello@thevault.com.

👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

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
▶︎ Instagram

About 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

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 prouder 🤩🥳🎉

If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com

Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌

As a Vault listener, you can get a whopping 25% off our digital course, The Money Playbook. This is a step by step guide to being financially well. It has 101 lessons where you'll learn how to budget, ditch debt, build savings and grow wealth. Use this offer code at checkout: VAULT

Check out The Money Playbook course here 💸

Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.

Sign up and combine your pensions here 🐝

Start investing without the hard work with Trading 212 💸

When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.

Chapters:
00:00 Introduction
00:47 Reflecting on 2024: A Year in Review
01:36 Listener Stories and Financial Advice
04:56 Christmas Gifts and Budgeting Tips
22:44 New Year Resolutions and Healthy Habits
29:01 Water Bottle Addiction Confessions
29:20 New Year Resolutions: Yay or Nay?
29:58 The Budgeting Struggle
31:38 Investing Made Eas

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
▶︎ Instagram

About 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

💸 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 can transform your finances and your relationship
- A real-life story from a couple who went from clashing over money to finally feeling in control
- Simple steps to start your own money date night routine and tackle financial goals as a team

This is your guide to turning money from a source of stress into a powerful tool for connection. ❤️

💬 Have a topic you’d love us to unlock next? Email us at hello@thevault.com

👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

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
▶︎ Instagram

About 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

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 paid off £16k in six months, but they’ve built an emergency fund, transformed their spending habits, and are now on track to clear the rest of their debt 🤩🥳🎉

If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com


Send your (totally anonymous) money dilemmas to thevault@financielle.com and we may feature yours on a future episode 💌

Thank you to our partner PensionBee, who are on a mission to help you build pension confidence and create a world where everyone can enjoy a happy retirement. With PensionBee you can combine, contribute and withdraw online. Join over 260,000 customers saving with PensionBee. When investing, your capital is at risk.

Sign up and combine your pensions here 🐝

Start investing without the hard work with Trading 212 💸


When investing, your capital is at risk. Pies & Autoinvest is an execution-only service, not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. This information is not investment advice. Do your own research.

Chapters:
00:00 Introduction
00:41 The Fizzy Drink Dilemma
04:44 Fashion and TV Appearances
06:11 Financial Tips and Lifestyle Choices
16:35 Dilemma: Managing Monthly and Annual Payments
21:29 Success Story: Overcoming Debt Together
31:05 Dilemma: Different Financial Upbringings
39:54 Conclusion and Final Thoughts

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
▶︎ Instagram

About 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

💸 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 promises of instant gratification and flexible payments that can lead to unmanageable debt.
• The psychology behind overconsumption and why BNPL makes us feel like purchases are more affordable than they really are.
• The rise of BNPL services like Klarna and Clearpay, and why they’ve become so appealing to consumers and retailers.
• The financial, emotional, and societal consequences of relying on BNPL, including the stress of overlapping payments and late fees.
• How BNPL’s marketing manipulates users by promoting “empowerment” and “treat yourself” messaging.
• The impact on younger generations, who are using BNPL for everyday purchases and creating long-term financial vulnerabilities.
• The solution: conscious consumerism and sinking funds as alternatives to BNPL, giving you control over your spending.

💬 Takeaway: BNPL might seem like a quick fix, but it’s leading to bigger problems in the long run. Learning to save before you spend is the key to financial wellness.

👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.

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
▶︎ Instagram

About 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