The Vault with Financielle - 100k? I want the RECEIPTS! | The Vault Episode 2

Episode Date: March 7, 2024

Send us a textThe Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money. In this episode of The Vault, Lucy, Laura and Holly dive into the world of money focussed dilemas from the Financielle Community. The team discuss the cost of weddings, how to navigate getting out of £100K debt and the dos and don'ts of lending money to family and friends. EP2 is one to watch!Visit https://www.financielle.co.uk to download our app.Follow us on Tiktok and Instagram @financielle-Chapters:00:00:00 - TikTok Confessions00:03:45 - Justifying Expenses00:06:47 - The Dynamics of Money and Family00:10:16 - The Burden of Financial Responsibility00:13:19 - Understanding Your Budget00:16:33 - Wedding Planning and Expenses00:19:59 - The Importance of Wedding Budgeting00:26:54 - Dilemma: Lending Money to Friends and FamilyThe 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

It's giving pointy toes. I feel like I'm really cosy. You guys are. No, it's more neutral. You're not following me. It was more neutral. I'm going to blend into this sofa. Welcome to The Vault with Financial.

This is a safe space to talk all things life and money and no topics are off limits. So, hey girls, I've got a little TikTok for you today. I'm here for the TikTok, come show us. So, we've got a little mum situation. Throwback. Let's have a look. I'm here for the TikTok. Come show us. So we've got a little mum situation. Throwback. Let's have a look. Growing up, when she would buy stuff,

she would get a red marker and mark it out, the price tag, so she can make it look like things were on sale when you would ask her. I carried a red pen in my purse. I can't believe you did that. I did. I did. Why? Because you're so weird about me buying stuff and spending money on my wealthy things that's on sale.

You did not. I did too. When? When girls were little. And I was divorced over me buying a pair of shoes. And I knew they would go with everything. We all have your money. I still, what?

So anyway, I have no idea where they, whatever had happened to them. They told me I had to be buried in them. I think not. My first thought was that she was writing it in store so she could get it for cheaper she's like five pounds that's like a sticker switcheroo you hear people doing that that is such a wholesome moment as a family yeah i could just i loved the parents like you did not yes i did he literally appreciate that so much i think like he's he shut his eyes and he did a laugh and i was like but you can tell they're in a really good place financially now where that would not bother them

at all but there must have been a place in time whereby he was like stop freaking spending all the money and she had a system i I mean, I'm here for it. Did you hear him when she said, hear her when she said, he told me I had to be buried in them. I don't know where they are. She didn't know where they were. She said, I think not. Have you ever lied to your partner about? I mean, now's your time to confess.

Don't listen to that. I don't think I have, but I know when I wanted to spend on quite a larger item, I've probably had to really think about how I was going to sell it in. Yeah, you need to position it. Yeah, and actually I overthink that. And he's like, okay, you know,

and I think it's because I'm quite measured in how I spend and like lately I've been spending we've been upping our budget in certain areas and every time we've done that I felt like more of the budget at the moment

is going towards things for me and my gym is way more expensive than him I've been getting Invisalign there's been lots of little things that as a couple we've had to decide

and I've never gone look at this but I saw actually a really funny TikTok of a lad carrying off his girlfriend when she gets a delivery I don't know you've seen it and she comes in and pretends to be her and he goes don't start it was on sale and I was sending half of it back and it was the banter because obviously this is this is always a thing in this is often a thing in

relationships isn't it like spending or not or overspending or not just the dynamics yeah I mean me and my boyfriend don't even like combine finances we obviously just like split our bills and everything we've got a joint account but we don't really kind of that's just for when we go out and stuff and I recently bought a Dyson Air app but which I sent back but it didn't work I couldn't use it anymore like anymore and I even still found myself kind of justifying and was that from your

you paid for it as well it wasn't from the joint account but you were still justifying it to him I was like it would save me so much time because I would I would only have to style my hair once a week

it would be great for both of us you can use it if you want if I could you tip it off because you're going to do a fringe with it in fact you can actually pay for a little bit because you will use it

I feel like we all justify do you think that was possibly when something's a big expense is it because actually you're not sure about it

sometimes we justify things when we're not quite sure ourselves yeah I needed to convince myself a little bit more and then I felt fine that I was

sending it back then he was like but what about all of this stuff that you said I was like yeah yeah don't need it anyway. It's like using your own argument against you. Yeah, it actually took more time.

I think as women, we like debate over stuff a lot more than partners do when it comes to like big expense. Like I know my husband, it was lockdown times and he wanted to buy a bike and it was really expensive and he kept being like, I get the cycle to work scheme. So he should be like, this amount of money, but I'm only going to be paying this amount and now I'm like he's not been on the bike post-covid and I'm like you know that bike that we bought and we like talked about a lot like he's hung up on the garage door like I think we need to sell it and

he's like yeah it's fine but we're going I imagine his like in internal turmoil of like I'm going to be spending a lot of the family's money because we do have joint finances but it ebbs and flows like you say i'm like getting her laser hair removal yeah that's a big like outgoing and i felt like i had to justify it and like your husband it was just like yeah fine no problem i think as women we overthink but the the potential to spend on so many things as a female comes up so much more than it does for a man so it's not such so much of a big deal no it does and actually like if you think about that relationship dynamic and what we don't know is like what how how the parents combine their finances earlier when the children were little and also who earned what and sometimes one partner underestimates what things cost generally so it's

not just like oh you bought some nice red shoes and they were expensive it's actually you, you bought clothes for the kids and it's like, well, they need new shoes. And do you know how much shoes cost nowadays? And they need uniform. And, you know, we've got this stat that women control 85% of the world's spending because we've got the list of the things we've got to go by. And, you know, and there's the kind of, we call it the beauty tax. It's not like a tax, but the aesthetic element of what it's like to be a female, the standards that we feel we have to hit comes with this extra expenditure that does come out of the family budget or the joint budget or your individual budget. And so I just, I feel like that was a lovely lighthearted TikTok

to delve into those issues. But I loved how like surprised he was. He was like, of course you didn't. But he probably forgot actually. Maybe he made some comments earlier in their marriage where she was like, sod it, I'm just going to... He told her she needed to get buried in them. So, like, she did have a complex overspending.

But again, you don't know at the time. They could have been in a really tight financial situation. She's buried in their shoes. They can look back on it now and laugh at it. I get the sense that she was laughing about it too and I carried a pen in my purse and whatnot but to have those arguments over you better get buried in those shoes like there were a lot of money

75 dollars probably was a lot of money then but yeah the dynamics of money and families is like I've seen people before like talk about they um like take the boxes off take the tags off and put it on and go I've had this ages have you not it's from Vinted you should know why if not you just don't pay attention I've had this ages. Have you not? It's from Vinted. You should know.

Why have you not? You just don't pay attention. I've worn this so many times. It's so rude. Thank you for that one, Lacey. I like it. I'm glad that was the TikTok of the week. Okay, so I've got a little dilemma.

It's a bit of a big one, so. We'll settle in. Yeah, settle in. Bit of a long one. So the title is I need to get my debt off my chest. So I'm a bit of a silent community member, but I feel like I need to come clean and get my debt off my chest. Me and my husband are both mid forties, two children, and we earn well over a hundred K a year combined. Despite this, we are in a shit load of debt, which by the way, this isn't a sob story. I

understand that our debt is completely unacceptable. We've been complete idiots and we've been living way beyond our means, never willing to wait for anything. I feel embarrassed, disgusted and disappointed in us and my husband feels the same. Just after Christmas, I had a health scare. Luckily, everything turned out okay and my income wasn't impacted, but this was a bit of a wake-up call. Things could have been very different and we've been forced to face up to the mess that we're in. So between us, we're in just over £100,000 of debt.

Oh! What are you even doing? I was expecting you to say that. I was like, 20 grand. Okay. That's on top of our mortgage I feel so shameful about 40% of it is linked to home improvements but even those were wants and not needs the rest of the debt was racked up by us living freely and overspending on credit cards taking consolidation loans and then repeating the cycle it went on for years without us realising. Fast forward to now, we're now in 100k debt and we have not a lot to show for it. We don't want to remortgage our house

and we're not eligible for any type of debt management as despite the debt being astronomical, we can't afford the payments. I would like to talk to my parents about it. They aren't in a position to help us but they're super supportive. supportive however my husband is adamant that this is private but it just feels like a huge weight on my shoulders for the first time in our lives we've thought about having for the first time in our lives we've thought about doing a budget and keep of track keeping track of what we spend i have no idea where to start please help i mean i feel like like she was in such a low place at the start of that. She's hit rock bottom. And actually, sometimes you need to hit rock bottom if you're going to make a change,

because otherwise you just coast along and you think you tweak. And this is not going to take little changes. This is big, big changes. And so I feel like I'm excited for her, notwithstanding that is a huge amount of debt because they have the income at the moment to go after it. And she's stressed about it. You know, she sounds like she wants to get to a place where I want this debt out my life. And if 40% of it was on, you know, Renault stuff, it's definitely once. And she acknowledges that. And I love that because she's kind of like, I definitely went for the bougie kitchen or

whatever they did. She's recognizing that she's not kind of explaining it away but at least it may have added value to whatever she's building etc so she is she sounds like she's ready for a plan yeah I didn't get the impression she didn't mention but I don't know if he's on the same page too she she's very much taking this debt like on it feels like the responsibilities on herself and i don't know if that's leading with the 85 of the world spending like women generally make like the financial decisions in the home i.e we're gonna this is the holiday we're gonna go on this is the kitchen she might have been at the at the core of all the spending she doesn't share it does she

so she might be carrying the guilt of that 100k what did they buy i want to know i want the receipts but that's what happens and this is where it really doesn't matter how much you earn because you just spend above your means and crack on if they've if you earn quite a lot what happens is it sloshes around in your bank account much more than if you don't earn a lot and so you don't feel you have to check every penny but actually your tastes tend to be more expensive and so you know it's 150 quid for a meal out or you know especially if you've got kids as well and and it's like you know 50 pound for drinks and you're not and your uber's here and uber your

mortgage is more you've probably got a bigger car there's just big chunks and when you get like credit card the opportunity of a credit card it seems like it's just unlimited like lifestyle creep they got the lifestyle creep definitely so the inch so before we go on to the budget because i'm want to talk about that the parents thing is really interesting it's like because if they're not going to be able to practically help and quite frankly i don't think family should ever help unless you're at literally in in kind of danger situation because it's it's just another problem that you share with someone else and unless if you should be able to try and work it through together yeah i appreciate wanting to share things with your family and being quite open but you have to be aligned on that he's probably he probably sounds quite ashamed to be

fair he probably does realize how it like stressful this is because he doesn't want to share it but i i feel like this is the thing at first unless it is really impacting your mental health and if you can't and unless you can't work it out together

at first I call it like I'm not religious but a come to Jesus meeting yeah yeah the war room the war room literally

get the papers out get the bottle of wine out from literally face up to it that facing up to it I think is a big one I think she'll feel better just by writing that dilemma is all one thing i would say anybody else in the same situation

just write the dilemma even if you don't do anything about it for a month like to us like we'll hear we'll listen to you i think just getting it off her chest and coming she says literally she said come to the realization so i feel like she's going to make a really practical change and i love well she said they'd never budgeted before I think on a 100k combined income they could make a really big dent in that and quite and sooner than they probably think yeah so what would we say so obviously a community member you'll know about the money mot so head to the app and have a look at the money mot in the learn section and because what that will do is help you go I guess what actually I'm skipping a stage. Let's get the budget down first, but create a budget in the app. That's your budget now. So have a look at last month's

spending, have a look at what your mortgage costs, your bills cost, um, all like genuinely what you spent on eating out and shopping and everything yet. Be honest because you need to know where you're at now because then you can, once you know where that is, what you'll probably find is you're spending more than is coming in and i know that sounds really fucking simple but to everyone yeah it's not sometimes you have to because that's when you use credit when you are spending more than that's coming in where does that money come from it's pretend money it's it's credit the math isn't mathing it's the math not mathing so if you do that once and go okay this is the worst it is

ever going to be this is the this is this is the worst budget yeah this is the deepest so then so then what you can do is you do the money mot you go through every single line in your budget and you look at how you can optimize it can you switch energy providers or mortgage providers can you um switch some of the cards to lower interest can you cut some things that are not once because she already knows about needs and wants which is cool and i think going through that process together making joint decisions not just her doing it is going to be really good for them they'll get excited about it we talk about flexing that money muscle don't we and if you've never sat down and practically it's really hard

to see where your budget's going wrong when you don't go through it in that logical chronological order if you're just like i know i spend too much on eating out it's really hard to be like that's gonna fix it i might turn down two meals it's not gonna do anything you literally have more drastic stuff you literally have to go line by line and do an autopsy it's like a money autopsy yeah and i feel like she's definitely clearly accepted that she's that they're both in this debt but also kind of you're at the point now where you can ditch the shame because that's not going to add anything no you know that you need to she's like the biggest thing is actually accepting that you've you've messed up and that for whatever reason this is where you are but to ignore it is kind of like the ostrich we call it don't we as a

money personality at financial you know we all have different money personalities and also she and he might have different personalities yeah so I think if she accepts that he may feel more stress about it and therefore think it should be a private thing to not share um but yeah I feel like I'm excited for them because they both realize that they don't want to go back and they want to make a change. And luckily for now with that income, and if they're earning that, you know, they could possibly even earn more, they can make a plan. And 2024 is the year to absolutely smash that debt. You know, I'm not sure they're going to be able to do it in a year, obviously with their earnings, because they're not going to be able to, unless they come into extra money, but that could be a two year plan. It really could be if they were really, really aggressive about it

and set themselves like mini goals along the way like when we pay off 10 grand we'll go out for a nice meal you know yeah mini goals i like that oh well listen keep us updated and we want to get you on here um anonymously off practically if you want to come on and tell us when you're debt free we're here for it yeah i want this so on a little bit of a lighter note um I've got a nice little community win oh to read out so today we've got Emma and Emma has said I've got engaged yay congratulations Emma now I've created saving a savings goal for the wedding and seeing that little reminder every time I jump on the app is so exciting slash

incredibly mind-blowing that how much weddings are but at least I know where I'm at and what I've got to save oh amazing congratulations first of all I know what she means so like on the app she's obviously put it as her first goal so every time she opens it I wonder what her picture is do you reckon it's like dress venue ring bougie like black and white a pinterest one yeah oh my weddings are so freaking expensive i was just about to say like i have no not even a ballpark number i mean it depends how much a wedding is so we're not going to put alex under pressure but if that was you right now because we've been there and done it so i don't want a cloud kind of cloud you're just putting me off marriage we've been there and done it, so I don't want to cloud your judgment of a wedding.

Put me off marriage. I've forgotten how you approach it, actually. What does it feel like to be someone who isn't married yet, who may want to get married, especially if you've been in a long-term relationship and you're in your 20s? Where do you start? Pinterest.

Literally, I mean, the Pinterest board has been going for a good few years, I can confirm. However, no budgets are created. Maybe that's my next little fixation have you seen grace beverly is looking at wedding venues at the moment in paris and in because we were talking about this would she do destination yeah i never thought of paris actually she was looking around some maybe some english cotswolds a traditional venues and i didn't think she'd do Destination because

they she seemed to like to travel and so that's the honeymoon tick maybe and they do the overseas thing Paris was like

left field but now so obvious because it's so easy to get to all of them they could do the Eurostar it's so annoying

I think got your train tickets tickets please to Paris. Send QR codes in the invitations. So many people, like, elope now, don't they? Or they do, like, there was a trend, I don't know if you saw it last year, like, a lot of people go into, like, a registry office in London and then, like, two weddings.

Yeah, that's something like the norm. So they do, like, a small, like, intimate, like, with the white suit and, like, very city vibes. It is. It's life-admitting. And then moving on to, like yeah, like a destination wedding. That's like. I feel like that's going to be the new norm for everybody to do.

The small, the small, having the small registry was supposed to omit the expense probably. The big ceremony and then the big party. Now it's kind of the excuse to take it abroad. Literally. Although I would like an abroad wedding. Do you know what I always think about in this though that you see so many things on social media at the moment

like pushback from people having to go on like 12 hen do's so true home and away and then a registry office you have to have an outfit for that

and then you have to go on the destination wedding and then we talk to Lydia all the time about single tax like if you've got to go on your own to a wedding like to bear the brunt

of that cost wedding gift hen do bridesmaids gifts like yeah it's turned into an absolute monster full-on yeah it was bad when i got married and that was 10 years ago like i i would dread to be a bride right now sorry lucy well thanks so i'm really excited for the next few years and i felt so i generally did feel guilty we kept it very, very tight. But the idea that people would pay,

we built into the budget like drinks at the wedding and then a party the next day and tried to help facilitate it. But I never underestimate how much people paid to come, but we still deliberately kept it small for that reason. And, you know, it was like no hard feelings for those that didn't. So yeah, I feel like Emma, we're really excited for you. Weddings do cost an awful lot.

And so having a conversation about where you're at financially in the cost of living crisis, it is hard as it is. But really thinking about the things that you both want rather than what maybe Grace Beverly shows what she can do, which is a different life and what your parents also may put on you because you don't need the random great aunt attending for the full course three dinner that you don't really know.

And like, you know, there's lots of things that you don't have to have random, but we didn't have a cake because neither of us like cake. So we didn't have a cake. So don't have a cake. I love cake.

She wants a cake. She's gluten free though. So look at that. So she can't. It's like a rusk and a bowl of fruit. So, we're going to cut the flapjack now. Do we stop giving?

Or like, something savory maybe? Sausage roll. Going to cut the sausage roll. Oh my God, pound bakery sausage roll. That just keeps the budget down. Emma,

it's so easy to get carried away. My piece of advice like on social media and Pinterest and you're like now we need this and now we need that but my piece of advice

would be go and look on forums and see what brides wouldn't retrospectively wish that they hadn't paid for I feel like that's the best bit of advice

like people will say I wish I didn't get spend so much on a photographer I've never looked at the wedding album it sat in the loft it was like 1200 quid that's so true what's what's yeah like what you think is important isn't necessarily and but like do a budget so you know oh my god you could do

budget in the app you could actually do a wedding budget in the app but do it and have a look and then go right okay how do I feel what are my things that are non-negotiables but what you know favors surely they're dead now who doesn't yeah and like we had flowers actually we had some flowers really simple flowers and then they moved over the arch when we got married in in portugal and then they moved them to the long table that we had and so yeah around the back and no one knew that and it was just like nobody's still standing at the arch no exactly they're not eating the nice food that i paid for so um there's lots of little hacks definitely but you can do this and you can get the wedding that you want

and also plan for the life that you then want together which you don't want to start in like 20 grand's worth of debt maybe the budget for the wedding

is a good practice for married life married life good thing to do together yes wedding money date nights yeah they're exciting god that's

that's an extra menu tasting menu tasting I don't have any cake I want a flat check I'm here for that so if you would like to tell us your

little win or big win then head to the financial community and drop it in because we love to hear them so I've got another dilemma

hold on so again buckle up as always. So here's the title. Juicy one again. I'm too scared to ask my friend for my money back. Oh no! I'm like cringing already.

Just keep the money. Social awkwardness. Just keep the money. I'll move countries, it's fine. If it was yours anyway. I'll give you some more money, it's fine. that was yours anyway I'll give you some more money it's fine do you need more? hi girls

this has been eating me up for nearly a year and I have absolutely no clue how to sort it out please help don't you worry okay I've always been someone

who's organised with their money we love you you are us I've never been in debt I've always stuck to a budget and saved up for the things I wanted to buy I'm 30 a solo home homeowner and genuinely feel genuinely feel like I'm on top of the world apart from one little thing my best friend was really struggling financially just under a year ago she'd lost her job and she

came to me to ask for help which I understand must have been super hard for her so true i lent her three thousand pounds which is a lot of money and she promised she'd pay it back as soon as she had the money right a couple of months later she was back in a good job and finally felt secure she moved into a nicer place with higher rent she's always out for fancy meals and has even just got back from a skiing holiday. I bet she has. How much was that? 3,000 pounds.

I can't bring myself to ask her for my money back, but I know that she won't bring it up first. I feel like it's just making me resent our friendship and I really would like my money back. is lending money to friends a definite no-no and how do i approach her for asking my money back how is that a pretty scheme yeah money gone champagne can you at least hide me from your story make it a bit subtle you know or this do you know what when she said it's been eating away at her yeah it probably has every single day and it must be so like i i hate lending money between friends because there's something that

kind of happens between friends and family when you lend money that basically it's in our human nature if you're the person that's lent borrowed the money like you needed the money any activity you do from then even eating is probably either on you or on them you being you feel like you're being watched or looking over your shoulder incorrect sunglasses yeah or like like they're getting a monzo pop up oh you know getting a coffee again and it and it's not fair that it'd be like that there shouldn't be conditions to it but it's human nature to it and so this whenever it's really difficult if people are massively struggling and that is like an emergency i guess line of credit for someone you know a lifeline that sounds like an awful lot of money it'd be really interesting to know probably what it what it was for and what

any plan was for payback because it could be that her friend has already planned these trips and already paid for them and some like you know she wasn't great with her money but then something came up that was genuinely stressful and that she needed that it could have been a moving house or a rental deposit or something emergency so it may not be the case that she's then gone okay i'm off and i'm still spending but it's the case that she's then gone, okay, I'm off and I'm still spending, but it's really difficult that she's not even offered to pay it back in installments or anything. I could never. Being so obvious and blatant that you're going away.

Like, it's not going out for a meal. I think it's really difficult. I feel really sorry for this person. I feel like if anyone approached me for that money, I would really have to, because I feel good about my money and I budget and I'm aware aware of what things coming and going it would really impact me and my like financial goals so I would be like okay I will lend you the money I actually don't think I would if I did I would want a plan I would be like it's fine to do it but when are you going to pay me back let's do monthly installments let's

help a direct debit like anything I could do to ensure that there was a plan to pay it back because like i said it's eating her up blatantly it looks like the other person's not bothered going away on holiday and stuff i feel there's a power struggle at the minute you lend someone money the power dynamics change yeah it's now no longer a friendship i feel like as soon as you lend someone money you kind of have to i feel like it's like investing you have to kind of just detach from that money because otherwise you want to return it you're like you want it yeah like you can't put pressure on it and you have to kind of be willing to be like i'm not if i don't get this money back then it's such a good perspective actually like i and i've done that before where um and i because i again would never lend money to people i just don't do it i think

it where i've been i have been in a scenario where someone's needed it. I've given it and said, I don't want this back. Cause actually just like her, it stresses me out more to know when are they going to pay it back? And you know, how much will that be for? Like, when will it be in what installments? So I have said, you can have it. So I definitely feel for her i feel like um she needs to raise it and she can definitely you can definitely do it in a light-hearted way um not a jokey way but i kind hi i kind of like um remember when you lent that money yeah can we sort out a payment plan i've got these kind of financial goals like i do need it back um what works for you like do you want to pay it back all at once or do you want to pay it across three months suggest a short deadline yeah

because you're down for years it's on your chest like put it on hers a little bit absolutely she needs a bit of a fire under her ass literally she does unless i'm like you know you have done nothing wrong and you've helped her out she's in the wrong here it could be that she's kind of very blasé about it and really not thinking and some people aren't wired that way so we can give the benefit of the doubt but she needs to come to the table and pay that money back so she might also see that you're obviously not struggling financially she's like she doesn't need it yes whereas actually she's been in that point of like financial despair where she's like i needed that money so she maybe can't relate and be like if she doesn't

let me three grand she obviously doesn't need the money no no i need the money like yeah pay me back it's a big topic isn't it it's really hard like I said the minute you lend money to someone the dynamics of the relationship change whether you like it or not this is a health warning yeah you really have to think a lot of people in the community actually say I think someone said the other day what was the biggest piece of advice you'd give to someone to your younger self and someone said I would never lend money to family and friends dynamics change. You can do so many things about helping someone, supporting someone, going and doing a budget with them, offering that if they need extra help from formal sources,

if they're struggling to pay bills, be that person that's like, I'm in your corner. I know how to work through this. This is kind of like my geek thing. I like it, but I can't lend you money. And I've said that before. I've said, I don't lend money. If someone has asked me before, I say, I'm really sorry about we have a literal policy in our family because

it's mine and my husband's money we don't lend money and how can i help and i feel like at least that like if they don't want the help then they don't deserve the money anyway as a loan well very true thank you for that sharing that as a as a dilemma because i feel like a lot of people will relate to it and i hope you get your money back do a Manzo request literally just send a Manzo request problem solved £3,000

I want to know who's paying for the coffees when they meet up I don't know who's paying for the champagne in the Apres scheme

yeah true so that's all for today's episode so any final words you can shut the vault. We're going to close the vault. Don't forget to share this with your friends. The more the merrier here in the vault.

And if you want to send us your dilemmas, send them to thevaultatfinancial.com. This is just a small disclaimer. The Vault is just a chat around life and money topics. We are not giving financial advice.