The Vault with Financielle

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:

Send us a textUNLOCKED Week 2: Reset & RebuildThis 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 don't stick to budgets (hint: they're not built for *your* life)- Why a budget isn't about being strict- How the Financielle budgeting method actually works- The psychology behind it: structure → safety → confidence- Breaking the “new year, new budget I'll never look at again” curse- How to make budgeting sustainable and enjoyable- How Laura and Carl approach their own check-ins and what really matters each monthYou don't need the perfect plan — just one you can adjust each month to fit your life, your season and your goals.And your budget tool? It's the heart of your 2026 routine.If you're enjoying the Unlocked series, subscribe to The Vault, leave us a review, and tell us how you're resetting and rebuilding in the comments or the Financielle App community.Join the community by downloading the Financielle App

Send us a text“Spending your younger years travelling is shortsighted” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a textWelcome 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- The patterns you only spot when you zoom out- How to shift from “I was so sh*t with money” to “this is actually useful information”She also shares her own reflections — from overspending on food shops to dipping into savings — and why automating her money has been a game-changer.One honest look back can set you up for a better year ahead.If you enjoyed this episode, subscribe to Financielle, leave a review, and join the conversation in the comments or in the Financielle App community.

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:

Send us a text#ad A special investing episode, brought to you with our friends at AJ Bell Dodl

Send us a text“30 free hours childcare is a scam” - we unpack this week's controversial opinion, then dive into your dilemmas:

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:

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:

Send us a textHappy Halloween!

Send us a text“You'll never “save” your way to wealth” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“You should never lend money to family” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a textWE'VE GOT A VERY SPECIAL EPISODE FOR YOU

Send us a text#ad A special bonus episode, brought to you with our friends at Octopus Legacy

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:

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:

Send us a text“We need to cancel office presents” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a textHello there! Here are the links to the episodes we mentioned:✨ How to budget when you're self employed [https://www.youtube.com/watch?v=fchAFlFJw4M&pp=ygUZZmluYW5jaWVsbGUgc2VsZiBlbXBsb3llZA%3D%3D]✨ Why you're overthinking pensions [https://www.youtube.com/watch?v=gBDCDMzvwAI&pp=ygUTZmluYW5jaWVsbGUgcGVuc2lvbg%3D%3D]

Send us a text“You don't need to send your child back to school with the latest gear” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“The person who earns less shouldn't automatically do more housework” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“You're not entitled to someone else's pension after divorce” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“You're allowed to pause your debt free journey for once in a lifetime experiences” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“Being financially dependent on ANYONE is risky” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“Your parents should NEVER charge you rent” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“Life events have gone too far” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“Putting yourself last isn't budgeting, it's self neglect” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“No one needs branded food. You're paying for a logo, not better nutrition” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text#ad A special bonus episode, brought to you with our friends at Compare The Market

Send us a text“If your partner won't talk money, run” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a text“You don't need a car upgrade when pregnant” - we unpack this week's controversial opinion, then dive into your dilemmas:

Send us a textThis week's Unlocked is all about budgeting for life's big (and small) moments.Laura answers your questions on maternity leave, emergency funds, student loans, childcare costs, and more — with tips to help you feel more in control.Connect with our Partners

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Send us a textThis week's Unlocked is for anyone who's ever thought, “Am I too late?” or “Am I doing this all wrong?”From pensions (or the lack of them) to balance transfers during the debt snowball, Laura's diving into real questions from the community.Also in the chat:Why you might want to be cautious with credit score websitesWhen health issues impact your finances... what now?---------Connect with our Partners

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Send us a textWelcome to The Vault with Financielle.This week, we're talking marriage (or not), Bieber's billions, asking whether buy now pay later ACTUALLY makes things affordable - plus some amazing wins!---------Connect with our Partners

Send us a text“We're Saving for a House… But He's in Denial About His Debt”“You shouldn't talk about money at work”

Send us a textWelcome to The Vault with Financielle.This week, we dive into Pensions - why we're overthinking them; what to think about if you'd like to retire early and looking at the state pension a little too!

Send us a text“Freelancing isn't the freedom it's cracked up to be”—controversial or just real? We unpack it in Episode 65 of The Vault, then dive into your dilemmas:

Send us a textWelcome to The Vault with Financielle.This week, Laura's talking premium bonds, debt free journeys and we had the best follow up!Connect with our Partners

Send us a textIn Episode 64 of The Vault, we discuss this week's controversial opinion, “You don't need an emergency fund if you have a high, reliable income”. We then dive into our listener dilemmas:

Send us a textWelcome to The Vault Unlocked, by Financielle.This week's episode involves some outrageous money hacks shared by others, plus some questions focussed on big life moments!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 63 of The Vault, we discuss this week's controversial opinion, “Spending money on therapy/mental health is equally as important as investing”. We then dive into our listener dilemmas:

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Send us a textIn Episode 62 of The Vault, we discuss this week's controversial opinion, “There's no incentive to pay off your overdraft”. We then dive into our listener dilemmas:

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Send us a textIn Episode 61 of The Vault, we discuss this week's controversial opinion, “We NEED to break up with influencers”. We then dive into our listener dilemmas:

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Send us a textIn Episode 60 of The Vault, we discuss this week's controversial opinion, “Cash stuffing is SO outdated”. We then dive into our listener dilemmas:

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Send us a textIn Episode 59 of The Vault, we discuss this week's controversial opinion, “You should NOT be exchanging money with children for doing chores”. We then dive into our listener dilemmas:

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