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Financielle
Великобритания
Добавлен 15 июн 2020
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.
Download the app here: financielle.onelink.me/CSm7/2g3j0a4x
Our podcast, The Vault with Financielle, is a safe space to talk all things life and money... and no topics are off limits!
We've recently released our new 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.
Check it out here! financielle.thinkific.com/courses/moneyplaybook
Download the app here: financielle.onelink.me/CSm7/2g3j0a4x
Our podcast, The Vault with Financielle, is a safe space to talk all things life and money... and no topics are off limits!
We've recently released our new 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.
Check it out here! financielle.thinkific.com/courses/moneyplaybook
How To Feel Financially Free | The Vault Episode 28
Welcome to The Vault with Financielle.
In Episode 28 of The Vault, we discuss this week’s controversial opinion, “It’s okay to spend when you’re in debt”, before diving into our listener dilemmas:
- I can’t give up my bougie membership
- I don’t feel as financially free as I should do
We celebrate a savvy community member’s win - they dodged debt by using their emergency fund to cover nearly £300 in car repairs, and they're now excitedly setting up a sinking fund to stay ahead of next year's MOT! 🚗💸
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we ...
In Episode 28 of The Vault, we discuss this week’s controversial opinion, “It’s okay to spend when you’re in debt”, before diving into our listener dilemmas:
- I can’t give up my bougie membership
- I don’t feel as financially free as I should do
We celebrate a savvy community member’s win - they dodged debt by using their emergency fund to cover nearly £300 in car repairs, and they're now excitedly setting up a sinking fund to stay ahead of next year's MOT! 🚗💸
If you’d like to share your money win, head to the community in the Financielle app or email thevault@financielle.com
Send your (totally anonymous) money dilemmas to thevault@financielle.com and we ...
Просмотров: 244
Видео
🔥FIRE🔥: Financial Independence, Retire Early | The Vault Episode 27
Просмотров 335День назад
Welcome to The Vault with Financielle. In Episode 27 of The Vault, we discuss the FIRE (Financial Independence, Retire Early) trend, before diving into our listener dilemmas: - ”Am I trying to do too much?” - ”My parents keep avoiding their will” We celebrate a community member's huge win in maintaining a strong net worth despite recent expenses on a new kitchen and a holiday to New York, thank...
Should Couples Combine Finances? | The Vault Episode 26
Просмотров 40514 дней назад
Welcome to The Vault with Financielle. In Episode 26 of The Vault, we discuss the controversial opinion, ‘Couples should always combine finances’, before diving into our listener dilemmas: - ”I've always been an 'executive sponsor' for my friends” - ”£90k debt and my husband has run out of money” We celebrate a listener's money win - they switched bank accounts to snag a £175 bonus, received it...
The Truth About Mortgages, Financial Freedom and Sibling Rivalry | The Vault Episode 25
Просмотров 49321 день назад
Welcome to The Vault with Financielle. In Episode 25 of The Vault, we discuss the controversial opinion, ‘DON’T be a stay at home partner (if you don’t have children)’, before diving into our listener dilemmas: - ”I have no pension!" - ”My brother and sister in law one up everything we do” We celebrate a win from a listener who is now tackling their last debt and is gearing up to be mortgage an...
Help! I’m Financially Tied To My Ex | The Vault Episode 24
Просмотров 236Месяц назад
Welcome to The Vault with Financielle. In Episode 24 of The Vault, we discuss the controversial opinion, ‘Maternity leave should be fully paid for at least a year’ 🤰, before diving into our listener dilemmas: "I’m going into debt for school trips” "I'm in a PCP agreement with my ex!” We celebrate a fantastic win from one of our listeners who took a big step towards financial control. She’s redu...
I Suddenly Have Money - What Should I Do? | The Vault Episode 23
Просмотров 352Месяц назад
I Suddenly Have Money - What Should I Do? | The Vault Episode 23
Should I Use My Savings To Clear My Debt? | The Vault Episode 22
Просмотров 531Месяц назад
Should I Use My Savings To Clear My Debt? | The Vault Episode 22
How To Avoid Arguing About Money | The Vault Episode 21
Просмотров 258Месяц назад
How To Avoid Arguing About Money | The Vault Episode 21
Should My Husband Stop Lending Money to His Parents? | The Vault Episode 20
Просмотров 293Месяц назад
Should My Husband Stop Lending Money to His Parents? | The Vault Episode 20
“I’m Addicted To Buy Now, Pay Later” | The Vault Episode 19
Просмотров 6972 месяца назад
“I’m Addicted To Buy Now, Pay Later” | The Vault Episode 19
How To Stop Comparing Yourself | The Vault Episode 18
Просмотров 3822 месяца назад
How To Stop Comparing Yourself | The Vault Episode 18
How To Handle Jealous Friends | The Vault Episode 17
Просмотров 3382 месяца назад
How To Handle Jealous Friends | The Vault Episode 17
£90K Debt At 56! How Do I Feel Better About Money? The Vault Episode 16
Просмотров 4032 месяца назад
£90K Debt At 56! How Do I Feel Better About Money? The Vault Episode 16
My Parents Are £50,000 In Debt! How Do I Help?! | The Vault Episode 15
Просмотров 2213 месяца назад
My Parents Are £50,000 In Debt! How Do I Help?! | The Vault Episode 15
The Credit Card Ick | The Vault Episode 14
Просмотров 2993 месяца назад
The Credit Card Ick | The Vault Episode 14
We Can't Afford To Have Kids | The Vault Episode 13
Просмотров 3083 месяца назад
We Can't Afford To Have Kids | The Vault Episode 13
How To Ditch Debt And Break Free | The Vault Episode 12
Просмотров 3783 месяца назад
How To Ditch Debt And Break Free | The Vault Episode 12
Being Frugal Won't Make You Rich | The Vault Episode 11
Просмотров 3743 месяца назад
Being Frugal Won't Make You Rich | The Vault Episode 11
Credit Scores Are BULLSH*T! | The Vault Episode 10
Просмотров 3484 месяца назад
Credit Scores Are BULLSH*T! | The Vault Episode 10
Pyramid Schemes TARGET WOMEN | The Vault Episode 9
Просмотров 4104 месяца назад
Pyramid Schemes TARGET WOMEN | The Vault Episode 9
Save Now, Buy Later | The Vault Episode 8
Просмотров 3304 месяца назад
Save Now, Buy Later | The Vault Episode 8
How Do I Stop Spending Money?! | The Vault Episode 7
Просмотров 4914 месяца назад
How Do I Stop Spending Money?! | The Vault Episode 7
My Boyfriend Has A 'Get Out' Fund | The Vault Episode 6
Просмотров 2875 месяцев назад
My Boyfriend Has A 'Get Out' Fund | The Vault Episode 6
No One Is Coming | The Vault Episode 5
Просмотров 4645 месяцев назад
No One Is Coming | The Vault Episode 5
I Can't Afford To Be A Bridesmaid | The Vault Episode 4
Просмотров 4505 месяцев назад
I Can't Afford To Be A Bridesmaid | The Vault Episode 4
My Best Friend Is A Leech | The Vault Episode 3
Просмотров 4035 месяцев назад
My Best Friend Is A Leech | The Vault Episode 3
100K? I Want The RECEIPTS! | The Vault Episode 2
Просмотров 4086 месяцев назад
100K? I Want The RECEIPTS! | The Vault Episode 2
Am I His Sugar Momma? | The Vault Episode 1
Просмотров 5036 месяцев назад
Am I His Sugar Momma? | The Vault Episode 1
Financielle Live Stream: How To Ditch Debt in 2024
Просмотров 637 месяцев назад
Financielle Live Stream: How To Ditch Debt in 2024
How To Build A Budget You'll Finally Stick To... With Financielle
Просмотров 96311 месяцев назад
How To Build A Budget You'll Finally Stick To... With Financielle
Like the format
Only if you're totally insane.
FIRE - shoot for the moon you may hit the stars! X
This popped up on my feed and happy I clicked to watch. Definitely going to have a chat with my mum for us to get our wills completed at the same time. We both have had medical issues in the last couple of months and it would be great for our family of we got it sorted. Funeral party might be a step too far lol
Ok, don't blame the husband. Is divorce a viable financial option for the wife?
YES
In answer to your first question, I would love a longer podcast, like a big chunky one once a week with juicy topics. Then maybe like a money minute style one with quick fire hot topics or something?
Noted!
TikTok is driving me insane at the moment 😂 if I wanted to swipe across peoples picture carousels I’d open Instagram, bring back the videos! 😂
@@chelsyholland790 do you follow The Vault TikTok as well as Financielle? 😊
What is the point of this short?
At 25 at least they're thinking about investing
Buy BTC
When can we see the presentation? 🤣
Tried to dig it out but can't find it... YET! We will not gatekeep the presentation when we find it!
They do have an answer on The Vault pod🎉
Idk in my mind 2 months isnt that bad and shes so close already. As long as the planets align and nothing else happens i dont think the 6 months total is that bad, at least thats my not single mom math so im not judging, just answering
It's interesting to read the comments, I wonder if this is a British thing? No one seems to have any issue with the school setting the situation up like this. Kids who are lower income for any reason shouldn't be left out of school functions, why doesn't the school raise funds to send everyone witout cost or at least have some funding available to pay for those who can't afford to go?
Work together to come up with some extra cash. Pet sit or clean houses.
Tough decision. Depends a lot on how old the kid is and what the trip is
Honestly, as a kid who grew up in a similar situation, sure, it might be devastating to not be able to go, in the moment, but as long as you explain WHY you're unable to, and do it respectfully, he'll be fine. Overdraft is for emergencies. School trips aren't emergencies.
I'd also maybe save for the next instead. I think some of the more important r in highschool. But good to save for some milestones. Not all trips are usually that expensive.
2 months versus a lifetime of a memory. take the two months.
f that shit!!!!!!!!! say no
This happened to me as a kid, school trip over $400. I didnt go, they sat me down and explained why it couldn't happen, and I will admit I was sad. That day instead of sitting at school while my classmates were at 6Flags my dad took me to the mall. (We went three times my whole childhood). The day was about me, and having fun. We spent some money on stuff I wanted, ate out, got ice cream. It wasnt 6flags with my class but they did their best.
All of the suggestions are great, but I don’t see any suggesting that she ask the dad, grandparents, aunts, uncles, etc to help her out with this…and let son know it’s going towards a birthday / Christmas gift. Money was super tight for us, too, when our girl was in private school, and the whole family chipped in when we needed them to. And a lot of times, those trips were in lieu of birthday presents.
it would *only* set you back 2 months? so you'd be 6 months away from being debt free instead of only 4 months? that's nothing! give your kid the experience and the memories.
This is a situation where husbands and dad get put in all the time. It's not that hard, suck it up cupcake either pay for the trip or learn what it means to be the less favored parent and tell him no.
If she's just four months from becoming debt free, would 400 plus spending money (100? -- not sure how long the trip is), which she says would add just 2 months onto her debt time (for a total of 6) actually be that bad, in context? (She could stress to him that if she pays for this trip then that means there won't be any money for "x" extra things in the autumn/whenever, so he needs to make sure how much he wants the summer trip.) I don't see where adding two more months is *that* much of a deal breaker -- she'd still be paid off by the end of the year and debt free.
The solution is to have the dad (or a step dad) in his life to pay for these things. Single mothers just do not work well in society.
In a perfect world right
There may not be one
Two months is nothing for your kid to get to yo experience something with his peers.
One option is to take a cheaper trip yourselves. When I was in 8th grade there was a field trip to the capital that would have been 2 days of traveling, 4 days there, and 2 days traveling back. The fee was about $300 per person (this did include bus fare and cold sandwich meals). I was really sad that I couldn't go at first because it was too expensive but my parents had been saving for years to take a family vacation, I was able to stay in the capital city longer than my classmates did and do much more interesting things. My family is large, but for this family which is only 2 people you can likely get cheaper transportation and boarding than what the school provides and find tourism that's low cost or free. Take a £200-£300 trip for both of you where your son can choose the activities instead of paying at least £400 for him to be stuck in a bus and hotel room with classmates (teachers will probably split up friend groups intentionally) and pushed through a bunch of "educational" activities that will bore him. Also some schools have payment plans or charity funds for families who can't afford trips (like another family can pay £450 if they're able so the extra £50 is discounted for another child)
We did this because he just couldn't go and so we added to our already planned vacation. I am pretty sure he has more fun And learned more or at least different things than he would have with school.
Its not an hard choice. Shes over complicating it. Good debt managment does not mean debt free. Debt free sounds nice but shes confusing having debt with being broke. Every financially successful person carries debt almost constantly and leverage it to create wealth. Pay for your sons trip and manage your debt. Debt free journey is a joke.
I think you need to have a talk with your son. See if you two can find a way for him to earn the 400 pounds. If he puts in an honest effort and comes up short. Ok, dip into your emergency fund. But if he didn't put in any effort, then don't. Make it his decision if he goes or not. Who knows, maybe he'll find what he really loves to do for work in the process and surprise you. And if he doesn't that's ok too (as long as he really tries).
We have no clue how young this child is. If they’re a teen of a single parent they likely are WELL aware of financial issues within the home and likely have a part time job already to have spending money or a car or whatever. If he’s young enough he came home asking for four hundred pounds without a thought I assume he’s far too young to work for money. He’s likely too young to babysit. I’m not sure many people would trust a very young kid to walk/take care of their animals. I’m not really sure what he could do to earn money if he’s under 12 years of age. I’m not sure I’d be feel comfortable letting my 12 and below kid go to someone’s house unsupervised (for their safety as there are predators everywhere) to do something like clean or care for someone elderly. The single mother having to supervise her kid working would likely lose out on any free time she had and it would be wasting time she could possibly be working another job that could more realistically earn the money.
@@Zelda00Gamer Even normal chores around the house would help. If mom could get 1 extra shift every so often she wouldn't be put behind at all.
Im a mom in the same boat right now. Im 3k in debt with home repairs and getting school supplies and clothes, just coming back from a auto accident andbhaving to buy another auto. Hes going on the trip. Im working 60 hrs (2 jobs) a week to make sure we stay afloat. His childhood years shouldnt be burdened with worry. Hes going to have enough of that once he gets older. And i hate the fact that he worries about how much money he costs me. It will NEVER be an issue when it comes to his happiness. Ill sell my soul before it gets to that point.
You’re a good mama.
Your son's experience with his school is once in a lifetime. He will never have the same opportunity to go with his class to the same place again. Take the debt. Apply the caution to things that you would forget about 5 yrs from now.
The father should be paying child support and that should help with this sort of thing.
He could be dead or completely missing
Tell that to the fathers out there that assume mother's waste their child support and pretend it isn't super expensive to raise a child
Whos to say that the father didn't want the kid, but the mother unilaterally decided to have him, so now the father pays his monthly minimums with no further involvement
@@falsevacuum4667 He could be. It's also possible he is paying support and that is needed for rent and food,. But the financial responsibility of the father shouldn't be left out of these scenarios.
@@tbrad4966 I have no idea if the person with the question gets child support and uses it well or poorly. But there are two parents and it is weird that the father's rold is left out of the scenario. It's weird both because it makes it look like the mother's financial choices are all that matter in the child's life, and it's weird because it makes it look like the father doesn't matter.
Just take the damned debt! If you're using terms like "debt free journey" and saying it will only set you back 2 months, you clearly can afford the added debt, so do it. I don't understand why this is even a question being asked. She sounds a tad out of touch on what poverty actually is.
2 months isn't the fear. It's the slippery slope that's the fear.
@@awsomegadgetguy7191 I dream of having her money problems. A lot of people do.
Not sure how old he is, but if he is not old enough to get a job, I would use the overdraft for the trip. It will only put you back 2 months in clearing your debt, which is not that long. It is an experience he will remember forever. However, I would have him put some skin into the game by having him contribute in some way, maybe the spending money if possible.
So what if he’s not going to some dumb field trip she’s in debt and could lose everything
@@mphgfubff Doesn't sound like you have children...when you do, you want to see them happy and enjoying their childhood(s) as much as possible. That is why this mother has such a dilemma with this decision. As far as her debt situation, what she describes is very far from 'could lose everything'. What she said is that if she paid for the field trip, it would delay her becoming debt free by 2 months, which is just not that much and does not put her anywhere close to a dire situation.
He needed to get a job and pay for that trip himself
What if they are too young to work? We don’t know the age.
Well you're a dummy for that comment lol without knowing how old this child is you can't possibly make that judgment 🤣
@@violettracey There's still some things they can do. Paper routes, asking the neighborhood if they'd let them collect recyclable bottles and cans for them, mowing lawns. If they're too young maybe even just doing chores arround the house (yes mom would have to take out the debt, but maybe that allows her to take an extra shift).
@@awsomegadgetguy7191 Maybe.
If the question is already minute long and you don't have time for an answer, then DON'T POST.
NEVER buy anything that expensive with someone you're not married to. There's no legal protection if the other person bails out. 😬
LOL, feminism has destroyed culture
My parents did the same thing to me. But I realized pretty quickly it was because they didn't want my brother living with them. The help they were offering was from a place of trying to move him out of their house. It really isn't fair, no matter the reason.
Dilemma 1: why not do long distance for a set period of time while you look for a job. Then move when you have a job rather than the worry of moving with nothing?
Why does someone aged 37 need parental financial support?
That’s exactly like my situation. Turns out my mum is a narcissist and I’m the one she attacked. I’m also the only daughter and when I was pregnant with my son she goes “that’s great, boys are easier”. I don’t speak with her anymore when she told me that she was giving some of my inheritance to another person. Not just for that reason, but that was the icing on top. I don’t even care about her money but it’s how she cares about others more than her first born.
Is one of his parents a step parent?
Id also say the parents were in different financial situations
My sisters are probably like this. One never paid rent, one paid but a small amount but she had the attitude she would do whatever she want. I dont have to pay rent i help with food etc but i also am disabled and treat my parents with respect which they still dont. My parents always know where i am and i always ask if they dont mind me going out, and i do other things around the house. But just the fact of me living here regardless of anything else they hate and are jealous about. Which makes no sense to me as they have their own houses and wouldnt want to move back anyway
Remember that when they get old and need everyday help 😉.
be proud you can stand on your own and help your brother get on his own feet.
I am 99% sure she is a woman. Same old story. Boys get away with being disgusting, emotionally inept scum while girls are used and abused for their labour and judged to the Gods and back. But let's pretend that life is so hard for men. Boo hoo.
The only reason I can see there might be a neccessary difference in the treatment between the elders and younger child is that the larger age gap means they are inhabiting completely different economic realities at the same ages. The younger brother's expenses would be a lot higher percentage of income and he would actually need more financial help these days.