"I Feel Behind With Money Compared To My Family & Friends” | The Vault Episode 41

12/05/24 • 50 min

In Episode 41 of The Vault, we discuss this week’s controversial opinion, “You shouldn’t have a personal trainer if you’re in debt”, before diving into our listener dilemmas:
💸 “Should I ditch luxuries while paying off debt?”
💸 “I feel so behind compared to my family and friends”
We celebrate a listener who, after dealing with some serious debt and living paycheck to paycheck, has managed to create a £500 sinking fund and an emergency fund, all while staying committed to budgeting and spending below their means 😍🎉
If you’d like to share your money win, head to the community in the Financielle app or email [email protected]
Send 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.
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
Chapters:
00:00 Introduction
00:47 Hair Woes and Crime Scene Fears
07:47 Holiday Traditions and Festivities
12:11 Financial Advice and Personal Trainers
23:38 Hairdresser Hilarity: Community Stories
26:20 The Cost of Beauty: Financial Realities
28:49 Sinking Funds and Emergency Savings
36:02 Navigating Life's Challenges: Advice and Reflections

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.
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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
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Previous Episode

Sinking Funds vs Savings - What’s The Difference? | The Vault Episode 40

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In Episode 40 of The Vault, we discuss this week’s controversial opinion, "'Settling' for a stable job over pursuing a passion is a valid choice”, before diving into our listener dilemmas:
💸 “How should I be saving for my children’s futures?”
💸 “I’m scared to make a mistake with my husband’s life insurance pay out”
We celebrate a listener who’s transformed their money mindset, started budgeting, and even inspired their best friend to join them in weekly “Monday Money Meetings”. We’re so here for it! ❤️
If you’d like to share your money win, head to the community in the Financielle app or email [email protected]
Send 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 Introduction
00:42 Fashion Talk: The Story Behind the Trainers
02:58 Nail Care and Beauty Tips
08:21 Balancing Hobbies and Work
17:49 Practical Solutions and Investment Routines
18:42 Saving for Children's Futures
27:43 Community Wins and Money Meetings
29:56 Managing Life Insurance Payouts

Next Episode

UNLOCKED: The Financielle Method

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💸 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” mindset
The 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 everything
My lightbulb moment: shifting the focus from wealth to financial wellness and embracing small, impactful changes
How 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.

💬 Have 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.