“What Should I Do With My Bonus?” | The Vault Episode 62

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:💸 "What should I do with my bonus?”💸 ”How do I get my husband to cover more on maternity leave?”We celebrate a listener’s amazing ‘non-scale victory’ - she confidently shared protection advice with a friend buying her first home thanks to what she learned from the Legacy Week episode! 🥹❤️ #CommunityWin #MoneyEducationIf 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 💌🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement.Pension saving is made simple with PensionBee - you can combine, contribute and withdraw online or from the palm of your hand with their easy-to-use app. Their retirement planning tools - like their Pension Calculator - blogs, videos and podcast - all aim to help you take control of your pension and build a better financial future.When investing, your capital is at risk.Chapters:00:00 Introduction00:46 Welcome to The Vault03:08 Overdraft Dilemma Discussion09:06 Student Loans and Financial Education17:32 Bonus Dilemma and Financial Advice27:23 Maximising Pension Contributions27:39 Budgeting and Income Management28:04 Investment Strategies: Stocks, Shares, and ISAs28:16 Emergency Funds and Financial Security30:28 House Deposits and Financial Planning31:50 Balancing Emergency Funds and Investments36:49 Income Protection and Financial Layers39:47 Community Wins and Financial Knowledge Sharing45:16 Maternity Leave Financial Dilemmas55:33 FiThe 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* – the bonus series of *The Vault*.On this episode, we're putting our real life debt free journey heroes at the heart of the show - sharing their progress as they become debt free.Need support from people who get it? Join our community in the app. No shame, no judgement—just real talk. Head to http://financielle.com to download now.Got a topic you’d love us to unlock next? Email us at [email protected]👉 Subscribe to Financielle for honest, practical conversations about money. Let’s make your money work for *you*.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 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:💸 "Should I be able to manage my money by now?”💸 ”Buying alone or waiting for my partner”We celebrate this wonderful community win: “I discovered this podcast a couple of weeks ago and have caught up on all the episodes. Great to hear helpful realistic advice about finances and has really inspired me to improve my own situation” 🥹❤️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 💌🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement.Pension saving is made simple with PensionBee - you can combine, contribute and withdraw online or from the palm of your hand with their easy-to-use app. Their retirement planning tools - like their Pension Calculator - blogs, videos and podcast - all aim to help you take control of your pension and build a better financial future.When investing, your capital is at risk.Chapters:00:00 Introduction03:38 Discussion on Influencers and Their Impact15:29 Listener Dilemma: Managing Money at 2518:47 Transitioning to Monthly Payments19:11 Building Financial Confidence19:34 The Power of Budgeting Tools21:25 Podcast Review and Listener Engagement25:00 Dilemma: Buying Alone or Waiting for Partner29:52 Final Thoughts and Relationship DynamicsThe 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.Today, we’re talking life admin, mortgage renewals, tracking your net worth and credit scores.💬 Have a question or a topic you’d love us to unlock next? Email us at [[email protected]](mailto:[email protected])👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.Guess what! As a Vault listener, you can get 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: VAULTCheck out The Money Playbook course https://financielle.thinkific.com/courses/moneyplaybook  💸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 60 of The Vault, we discuss this week’s controversial opinion, “Cash stuffing is SO outdated”. We then dive into our listener dilemmas:💸 "Is it better to overpay on your mortgage or save for a bigger deposit?”💸 ”Am I allowed to take a break on my debt pay off journey?”We celebrate a listener who’s paid off all her Buy Now Pay Later debts (good riddance!) and is now working on her credit card debts - debt free here we come! 💸🤑 #CommunityWin #DebtFreeIf 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 💌🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement. Pension saving is made simple with PensionBee - you can combine, contribute and withdraw online or from the palm of your hand with their easy-to-use app. Their retirement planning tools - like their Pension Calculator - blogs, videos and podcast - all aim to help you take control of your pension and build a better financial future.When investing, your capital is at risk.Guess what! As a Vault listener, you can get 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: VAULTCheck out The Money Playbook course here  💸Chapters:00:00 Introduction00:52 Casual Chat: Glasses and Scams04:19 Controversial Opinion: Cash Stuffing12:26 Dilemma: Overpay Mortgage or Save for Deposit?17:54 Community Win: Paying Off Debts19:39 DilemThe 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 – the bonus series of The Vault where we deep dive into the big money topics no one wants to talk about.This week, we’re digging into the chaos Trump caused in the markets with his sudden tariff U-turn — and what it means for your investments, your retirement, and your next move. We’re answering:What actually is a tariff and why do they cause so much chaos?Is now the time to invest or just ride it out?Why dollar cost averaging wins in the long runIf you’re near retirement, what should you be doing now?Plus your AMA questions: S&S ISA worries, pots vs spreadsheets, mortgage rates, and the BBC Morning Live dress!💬 Your challenge: Chat with someone this week about investing — what’s holding you back, or what’s keeping you going?Need support from people who get it? Join our community in the app. No shame, no judgement—just real talk.Got a topic you’d love us to unlock next? Email us at [email protected]👉 Subscribe to Financielle for honest, practical conversations about money. Let’s make your money work for you.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 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:💸 "Holidays are the new car finance”💸 ”Am I behind on my salary progression?”We celebrate a listener who feels on top of her finances for the first time ever! 🌟👏 She’s completely paid off her credit card, got £500 in her emergency fund, set a budget, and is loving the community in the app! #CommunityWin #DebtFreeIf 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 💌🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement. Pension saving is made simple with PensionBee - you can combine, contribute and withdraw online or from the palm of your hand with their easy-to-use app. Their retirement planning tools - like their Pension Calculator - blogs, videos and podcast - all aim to help you take control of your pension and build a better financial future.When investing, your capital is at risk.Guess what! As a Vault listener, you can get 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: VAULTCheck out The Money Playbook course here  💸Chapters:00:00 Introduction and Exciting Announcement00:44 Morning Greetings and School Memories03:04 Controversial Opinion: No Money for Chores05:19 Teaching Kids Financial ResponsiThe 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 – the bonus series of The Vault where we deep dive into the big money topics no one wants to talk about.Today, we’re talking about money and neurodivergence. Whether you have ADHD, Autism, Dyslexia or another condition under the neurodiversity umbrella, managing money can feel overwhelming—but that doesn’t mean you can’t take control. 💪From impulse spending to forgetting bills, we’re breaking down the real challenges neurodivergent people face when it comes to money—and the practical strategies that actually work. ❤️In this episode, we cover:Why executive dysfunction, dopamine-seeking and decision fatigue can mess with your money 💸The hidden costs of everyday life when your brain works differently 🫣The unique strengths of neurodivergent thinkers when it comes to finances 💪How the Financielle Method is designed to work with your brain, not against it 🤝Real-life stories and step-by-step tips to help you take action 🤩💬 Your challenge: Try one small tip this week—whether it’s setting a 48-hour rule before spending or doing a 5-minute budget check-in. Test what works for your brain. 🧠Need support from people who get it? Join our community in the app. No shame, no judgement—just real talk.💬 Got a topic you’d love us to unlock next? Email us at [email protected]👉 Subscribe to Financielle for honest, practical conversations about money. Let’s make your money work for you.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 58 of The Vault, we discuss this week’s controversial opinion, “We should be allowed to say no to hen dos with no issues". We then dive into our listener dilemmas:💸 "How do I stop my sisters hen do from sending us into debt?”💸 ”Should I keep my rental property or sell up?”We celebrate a listener who officially paid off her student loan in full and feels a massive sense of relief! With an extra 9% of her payslip each month, she’s now focusing on overpaying her mortgage. 🌟👏 #CommunityWin #DebtFreeIf 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 💌🐝Thanks to our partner PensionBee. They’re a leading online pension provider on a mission to build pension confidence so that you can enjoy a happy retirement. Pension saving is made simple with PensionBee - you can combine, contribute and withdraw online or from the palm of your hand with their easy-to-use app. Their retirement planning tools - like their Pension Calculator - blogs, videos and podcast - all aim to help you take control of your pension and build a better financial future.When investing, your capital is at risk.Guess what! As a Vault listener, you can get 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: VAULTCheck out The Money Playbook course here  💸Chapters:00:00 Introduction to the Money Playbook00:46 Welcome to The Vault with Finance Child00:52 Casual Conversations and Tea Talk03:46 Hen Do Dilemmas and FinancialThe 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*just a note - we had the video and some audio files error post filming so you may hear a couple of glitches - so it's not perfect but we still wanted you to have the episode so we put it out anyway. Team Financielle xxxx*💸 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.Today, we’re answering your questions. Coming up in this episode:1️⃣ How do I talk about money to my friend if my salary is 3 times bigger than hers?2️⃣ How do I avoid the mum guilt for not being able to afford all the activities or take annual holidays with my kids?3️⃣ Do you keep your emergency fund in a cash isa or in a savings account?4️⃣ How do I convince my husband that a budget means we have money, not the opposite?5️⃣ I feel like I’m behind on my pension, how much should I have in my pension in early 30s?💬 Have a question or a topic you’d love us to unlock next? Email us at [email protected]👉 Subscribe to Financielle for honest conversations about money, and let’s rewrite your money story together.Guess what! As a Vault listener, you can get 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: VAULTCheck out The Money Playbook course here  💸Check out The Money Playbook course here: [https://financielle.thinkific.com/courses/moneyplaybook] 💸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