“Do I Still Need My F**k-Off Fund?” | The Vault Episode 94

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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.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 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. 💖Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.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 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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.🏡 Meet our Financielle approved Mortgage Brokers.💸 Get cashback that reduces your mortgage interest with Sprive (£5 extra for you using code: FINANC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.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 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 your investing journey. You can download the app here https://dodl.onelink.me/uBIb/zl3xxzv7Just remember, investing comes with both risk and reward.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 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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site. Chapters:00:00 Welcome to the Vault00:15 Cozy Studio Vibes00:52 Jigsaw Puzzle Addiction04:30 Childcare Controversy09:30 Winning a Car Dilemma18:53 Entering Competitions: Worth the Cost?19:07 Community Wins and Personal Finance Success Stories19:28 The Importance of Emergency Funds20:00 Building and Maintaining an Emergency Fund21:19 Balancing Fun and Financial Goals22:06 Planning for Potential Emergencies22:58 Insurance and Emergency Funds: Finding the Right Balance23:52 Sinking Funds and Financial Peace of Mind26:24 Pension vs. Property: A Financial Dilemma28:14 Financial Advice for Young Professionals32:35 The Power of Diversification and Future Planning36:39 Understanding and Maximizing Pension Contributions38:41 Closing Thoughts and EncouragementThe 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“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 [[email protected]] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at [financielle.com] 💖💸Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.Chapters:00:00 Welcome to the Vault00:14 Wardrobe Talk00:40 Prepping for Christmas01:22 Budgeting and Financial Awareness02:43 Family and Social Dynamics06:01 Gift Giving Challenges09:38 Christmas Shopping Strategies15:04 The True Meaning of Christmas16:10 The Voucher Dilemma16:58 Thoughtful Gifting Ideas18:16 Charity Over Gifts21:54 Secret Santa Strategies24:51 Handling Black Friday Temptations34:59 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“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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.Chapters:00:00 Intro00:12 Nail Check and Personal Grooming01:55 Controversial Opinion: Expensive Carrots03:03 M&S Christmas Catalog Discussion10:05 Business Class Dilemma12:37 Navigating Airline Choices and Costs14:02 Community Wins and Success Stories14:44 Rebuilding Finances After Job Loss19:42 The Importance of an Emergency Fund23:23 Balancing Expenses and Savings26:06 Dilemma: Managing Fixed Expenses28:19 Final Thoughts and EncouragementThe 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 textHappy 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 [[email protected]] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at [financielle.com] 💖💸Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.Chapters:00:00 Intro00:24 Halloween Vibes and Decorations00:50 Impulse Spending Confessions02:28 DIY Autumn Crafts06:06 Halloween Memories and Traditions12:02 The Haunted House Dilemma17:56 Realizing the True Cost of Home Renovations18:50 Balancing Home Maintenance and Happiness19:44 Budgeting Tips for Home Buyers23:57 The Importance of Tracking Finances28:02 Protecting Your Loved Ones with a Will30:09 Dealing with Unexpected DebtThe 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“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 [[email protected]] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at [financielle.com] 💖💸#AD Get your ✨free will✨ here (Available until 31st October, 2025)The cost of the will is covered by Octopus Legacy & their charity partners. Many people choose to leave a gift to charity in their will as a thank-you, but this isn’t required to claim the offer.Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.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 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 [email protected] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸#AD Get your ✨free will✨ here (Available until 31st October, 2025)The cost of the will is covered by Octopus Legacy & their charity partners. Many people choose to leave a gift to charity in their will as a thank-you, but this isn’t required to claim the offer.Connect with our Partners*🫶 Get life insurance with our friends at Lifesearch. Speak to a female advisor here.✍ Write a will that is tailored to you with Octopus Legacy.🏡 Meet our Financielle approved Mortgage Brokers.*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.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