The Vault with Financielle

Send us a textIn 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 [email protected] your (totally anonymous) money dilemmas to [email protected] 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 Introduction00:41 The Fizzy Drink Dilemma04:44 Fashion and TV Appearances06:11 Financial Tips and Lifestyle Choices16:35 Dilemma: Managing Monthly and Annual Payments21:29 Success Story: Overcoming Debt Together31:05 Dilemma: Different Financial Upbringings39:54 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💸 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▶︎ 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 textIn Episode 42 of The Vault, we discuss this week’s controversial opinion, “Buy cheap, you buy twice”, before diving into our listener dilemmas:💸 “The jump from managing money together to by myself”💸 “I’ve fallen off the rails”We celebrate a listener who discovered an unexpected benefit of using Financielle - they have the financial freedom to make a career change and pursue a job they’re passionate about 🥹❤️If you’d like to share your money win, head to the community in the Financielle app or email [email protected] your (totally anonymous) money dilemmas to [email protected] 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 building your investing routine with Trading 212’s Autoinvest feature here 💸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 Introduction00:41 Tea Time Tales and Morning Routines10:02 Fashion and Quality: Buy Cheap, Buy Twice18:03 Investment Routine and First Dilemma21:03 Navigating Shared Financial Responsibilities23:03 Freelancing and Budgeting Tips25:19 Embracing Solo Financial Management29:24 Overcoming Financial SetbacksThe 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💸 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 this kickoff episode, I’m sharing my story—the journey that led to the creation of Financielle.✨ What to expect in this episode:My early dream of wealth, inspired by lottery fantasies and a “Richie Rich” mindsetThe reality of living a Champagne lifestyle on a Prosecco budget: consumer debt, emotional spending, and the pressure to "look rich"The struggle with quick fixes, the trap of instant gratification, and the wake-up call that changed everythingMy lightbulb moment: shifting the focus from wealth to financial wellness and embracing small, impactful changesHow Financielle was born from a desire to help women take manageable steps toward financial security and stability💬 Takeaway: Financial wellness doesn’t require a lottery win—it starts with small, actionable steps.👉 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▶︎ 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