The Vault with Financielle

A cancelled wedding, £16k gone and a mortgage on one income… and a really honest update from a listener we first heard from back in episode 56 ❤️ This week, we’re diving into these money dilemmas:💸 “We cancelled the wedding and lost £16k. Now I’m paying for our house on one income.” (9:44)💸 “My husband won’t pull his finger out” (26:14)Heartbreak, mortgage rates and the mental load of money… this episode is a reminder that starting over doesn’t mean starting from nothing.Got a money win worth celebrating? Or a dilemma that’s been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌You don’t have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

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Ella Hewitt on dropping out of uni twice, quitting her job with 17,000 followers and no brand deals, and why working in luxury fashion left her broke. 💸

Our first ever guest on The Vault, and she couldn’t be more fitting.

Ella was employee number eight at Luxe Collective, grew their socials to hundreds of millions of views, and took a £6,000 pay cut to get through the door in the first place. She worked both jobs until they agreed to match her old salary.

“The people who work there can’t afford it.”

She tells us the truth about why she left. She was handling Chanel bags worth more than her monthly wage and still couldn’t afford to move flat.

Then she walked away with 17k followers, no brand deals and a six month safety net (money her dad gave her at 18 towards a house deposit, plus three months’ redundancy). She never touched a penny of it, and earned five times her salary in her first week.

She also tells us about:

• her £0 month the following August, when she’d done the work but still waiting on 60-day invoices
• why she’s never had a credit card
• why she’s building Elhé, her own Liverpool-made fashion brand, without taking a penny of investment.

Follow Ella: @ellahewitt

Elhé: @elheworld

Most weeks we’re reading out your anonymous money dilemmas. Got one? Share it in the Financielle app or email [email protected].

You don’t have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

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Two paydays until Christmas 😱 Consider this your sign to start a sinking fund if you haven’t already 👀 Get your Christmas sinking fund guide here 🎄

This week, we're diving into these money dilemmas:

💸 "I've Paid My Student Loan for 5 Years and It's Grown by £15k"

💸 "I Cleared Three Credit Cards in Six Months — Which One Do I Kill Next?"

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌

You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partners

✍️ Write a will for FREE with ⁠⁠Octopus Legacy⁠⁠*(offer ends 31st October 26)

🫶 Protect yourself and loved ones with our friends at ⁠⁠Lifesearch⁠⁠*

*The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.

Two house deposit dilemmas this week… and both come with a big side of guilt 👀

This week, we're diving into these money dilemmas:

💸 "My 90-Year-Old Grandad Offered Me £14k for a House — Is It Wrong to Say Yes?"

💸 "My Girlfriend Has £20k for Our Deposit. I Have Nothing."

Plus Holly's got a dilemma of her own involving an easyJet voucher ✈️

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [email protected]

💌You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partners

✍️ Write a will for FREE with ⁠⁠Octopus Legacy⁠⁠*(offer ends 31st October 26)

🫶 Protect yourself and loved ones with our friends at ⁠⁠Lifesearch⁠⁠*

*The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.

Some dilemmas make you want to shout at your phone… this is one of them 👀

This week, we're diving into these money dilemmas:

💸 "First He Asked Me for a Loan. Then He Asked Me to Be His Guarantor."

💸 "I Drove Into a Bollard — Should I Have Claimed on My Insurance?"

Plus a gorgeous win from a listener a year into her money journey — debt sorted, budget nailed, and the first holiday she's ever saved for 🎉

If anything in this episode feels familiar, Surviving Economic Abuse offers free, confidential support and information 💛

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌

You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partners

✍️ Write a will for FREE with ⁠⁠Octopus Legacy⁠⁠*(offer ends 31st October 26)

🫶 Protect yourself and loved ones with our friends at ⁠⁠Lifesearch⁠⁠*

*The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.

Turns out having the money doesn't switch off the money anxiety… both of this week's dilemmas are from women who've done everything right and still can't bring themselves to spend 👀

This week’s money dilemmas:

💸 "I Earn £90k and Have £87k Saved — So Why Am I Terrified to Spend It?"

💸 "I've Saved Every Penny to Clear My Debt… and I Can't Press 'Pay'"

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌

You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partners

✍️ Write a will for FREE with ⁠Octopus Legacy⁠*(offer ends 31st October 26)

🫶 Protect yourself and loved ones with our friends at ⁠Lifesearch⁠*

*The above are tracked links, which tell our partners we sent you and may in future result in a payment or benefit to our site.

You asked for updates, and we've got one for you! Betty sent us a voicenote after her dilemma (ep106) about putting all her work expenses on a credit card 🎙️

This week, we're diving into these money dilemmas:

💸 "No More Student Loan, £380 Better Off a Month — What Do I Do?"

💸 "I Turned 40, I'm £17k in Debt, and I'm Done Using Credit for Good"

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌

You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partner

🫶 Protect yourself and loved ones with our friends at Lifesearch*

*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.

"What's the sinking fund you wish you'd set up sooner?” We’re asking Laura some quickfire round questions so buckle up!

This week, we're diving into these money dilemmas:

💸 "Can I Use My Emergency Fund to Move to New Zealand?"

💸 "I Struggle to Cover My Basic Costs — Should I Sell My Rental Flat?"

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌

You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partner

🫶 Protect yourself and loved ones with our friends at Lifesearch*

*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.

What do you do when you're the only person who knows how much debt you're actually in? 😳

This week, we're diving into these money dilemmas:

💸 "I'm 34 With £27k of Debt and No Pension — And My Partner Doesn't Know"

💸 "Buy, Rent or Stay at Home?"

Plus an update from Michelle (ep128) — she put her big girl pants on, brought the budget up with the group, and the girls holiday chat went so much better than she expected 🎉

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌

You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partner

🫶 Protect yourself and loved ones with our friends at Lifesearch*

*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.

We're back! Summer break is officially over and The Vault is open again 💖

This week, we're diving into these money dilemmas:

💸 "I Earn £101k — Has My Pay Rise Cost Me My Free Childcare?"

💸 "My Friends Can't Agree On Our Girls Holiday Budget"

Plus a gorgeous update from Tamika & Thomas (ep115) — after their dilemma on combining finances before marriage, there's a joint account AND a wedding booked 🎉

Got a money win worth celebrating? Or a dilemma that's been living rent-free in your head? Share it in the Financielle app community or email [[email protected]] 💌

You don't have to figure this out alone. Head to financielle.com for guides on debt, budgeting and money stories 💖💸

Connect with our Partner

🫶 Protect yourself and loved ones with our friends at Lifesearch*

*The above is a tracked link, which tells our partner we sent you and may in future result in a payment or benefit to our site.