The Vault with Financielle - “My Boyfriend Spent £6,000 on OnlyFans” | The Vault Episode 83

Episode Date: September 24, 2025

Send us a text“You don’t need to buy something just because it “dropped”” - we unpack this week’s controversial opinion, then dive into your dilemmas:💸 ”I Pay My Credit Card Off Every Month — Is It Okay to Collect Points?”💸 ”My boyfriend spent £6,000 on OnlyFans – we were meant to be saving for a house”Got a money win or (totally anonymous) dilemma? Share it via the Financielle app community or email [e-mail] 💌You’re not alone in figuring this stuff out. Get honest, helpful reads at financielle.com 💖💸Connect with our Partners🐝 Consolidate your pensions with PensionBee (capital at risk)🫶 Protect yourself and loved ones with our friends at Lifesearch✍ Write a will that is tailored to you with Octopus Legacy🏡 Meet our Financielle approved Mortgage Brokers💸 Commission-free investing* with Trading 212 (capital at risk)🛒 Cashback on your shopping with Jam Doughnut (use code FINC)*The above are tracked links, which tells our partners we sent you and may in future result in a payment or benefit to our site.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

Welcome to The Vault with Finan Child. This is a safe space where we talk all things, life and money and no topics are off limits. That was my 83rd time saying that. Oh, really? Is that how many episodes we've done? We were talked about this, didn't we? Because Teddy actually asked me this morning, how many episodes have you done? And I was like, a lot.

I was like, I can't think how many. I was like, but Lolo is called Laura as Demo, because she does unlock as well, but we're having a break. We forget, honestly. I know it's a bit of a cliche to say, but we forget that we're filming, so we're chatting away, and we forget what we talk about. People will say to us, oh, my God, that one, I'm like, oh, my God, what do we say we say? Yeah. But then the other thing is, when we sit down and get ready to record, we start talking, and guys, I have to tell people, stop because you would want to hear the things that people are saying. So, Holly, you'll sit down, lose, they'll share something.

Lydia will say something funny, and I'm like, no, no, we're not recording. Stop talking to each other. Don't talk. Don't say hi. Don't be polite. Just sit down and then get ready. So you do miss things sometimes, but we do try and capture everything. And then we've just got a, well, a couple of us have a cup of tea. Me and Lydia literally have opposite colors, don't we? What's your color? Maybe tea? Milky. Milk. Milk colored with a tiny bit of tan. I think it's a good cup of tea. I think yours is my dad's. Yeah. Mine's much more the other end of mahogany. It's like a duelux chart, like a tea chart. Mahogany. We're a mahogany end.

yeah the toast one always gets me because my son is literally like number one he wants the to warm bread does he want it floppy or does it have to yeah no no like if i if it's not floppy it you burnt it i'm like i'm sorry do you want it warm you can ever do you want what do you just want bread should just go to bed he's like no because when the butter's cold on the thing and i'm like it pretty much is by the time i've walked into the living room anyway yeah I'm surprised i'm surprised the butter melts actually because then because in my in my house the kids want it light but don't want a butter to appear if they want it to melt so there's a fine line

and I like that kind of one as well and he wants that to imagine the magician style things on it there's butter on it yeah it's not melted mm-hmm do you want it more toasted no but then I get when you've gone past a certain point of toasted it's technically then burn

and you're like yeah what do you eat cold tote is it like I go three different things it depends on the type of bread. Like, if I was eating toasty loaf, like war buttons, sometimes I like it toasted, like not too heavily, like just a nice, normal amount of toasted. And then I like stand, like, the two pieces of bread into a triangle,

let them dry. Not dry, cool. And then I like spread the butter on, because then you can kind of taste the butter more. So basically, how'd you stand it? And then it just wants butter. Because if you leave it laid down, it goes soggy.

Because it's like condensation. Yeah. She creates a T.P. I was about to judge, but now I understand it. She creates a toast teepee. Do you know what it's like? Do you know when you go to a hotel breakfast? And you put them in the toast separator thing?

Kind of. Do you know when you go to like and you get the butter separate? And it's like, oh, the butter's not melted now. Like sometimes kind of like that, but it's got to be on that like normal toasty bread. You just want to eat the butter like this. Melt it. Yeah, you want to eat it. It's just a vessel for the butter at the end of the day.

Gosh. A teepee of toast. I feel like you do something else weird with toast or is that it? I'm sure there's something else she's got strange. I've butted it both sides a few times. Yeah. Accidentally or just because you fancied it? Do you know it's a piece

of sourdough and it's like kind of curved on one side? Yes. And I accidentally butted the like side of the less surface area and I'm like well the outside bites. Got to share the love. So I flip it over and butter the other side as well. I'm going to say Carl's a absolute

gem because if I over do any toast I'm like you'll have it yeah he will go fair fine the birds love it in our house all I do is open the window and fling out burnt toast our house no white our house smells of burnt toast because it's all I do because what she does is she puts it in and then walks off to do something else and then I put it by down and I go holly you're putting it back down wait don't forget move don't move okay and like give myself a pep talk

and then I'm like upstairs folding laundry I meant you in a draw from six years ago that I promised myself that I'd do all had to do, Neil's like, oh, your job, you only job. Just focus. 30 seconds to stand by the toaster. What was they doing? You said it's second rotation. Oh, God.

It needs two rotations our toaster. But the end of the second rotation is burn. It's too long. Oh, okay. Yeah. You need a timer. We've got this, I inherited a toaster from my nanny and grand date. And it's like, it is really old.

It was clean. But it's got a little. little thing on the side for each side and it's like toast colour and it's like one to five they don't make them like use to and like three is perfect okay

that's what I need you should yeah one yeah one that's one bread that's one bread someone said to me they're not a scale

they're actual minutes oh are they apparently we try out of time that I think three is three minutes surely not that's a long time that is a long time

I thought it was level of toastiness it says toastiness It says toast colour. Oh, well, that's different. On the thing I'll send a picture tonight, I guess. I'm here for knowing. And listen, we won't get into the hotel stress of putting out one of then rotation ones. And if burn is the second time, one but one point five is perfect.

You have to burn your finger off, shove it along so that it accelerates it. There's a queue waiting. Then you've got to get the butter. We don't have the time for that today. But just bear that in mind. Do you take butter on holiday? No, I'd just buy it. Experienced local botts us.

I really stay hotels. She doesn't really do hotels. Anyway, why we're here? Enlightening. Hi. How you're doing the money? How you're doing? Okay, today's controversial opinion.

You don't need to buy something just because it's dropped. Oh, you've got this because I get annoyed with drops. This was something. So, listeners, this is what I was chatting about recently with the team because

Instagram is very frustratingly every third story is an ad and we all know that that's where we're at in the life and it's just something that you get used to and it's getting frighteningly good you literally can like I went to do some some stuff in financial

on either an account, it's a website, or an illegal website, whatever and then I watched something on YouTube and the video says you've recently been on our website and I was annoyed I'm like I'm actually a paying customer you dicks because like why are you following

like I didn't like that intrusiveness but they weren't just gentle they were bold to say we have just seen you on our website well you're not clever enough to know that I'm actually a paying customer already and I'm going to email them actually and say I don't like the ad

and I've tried to say I don't like this ad and I've been served up another of their ads that's different now but I'm still like again quite intrusive but listen it's just getting crazy and it's only going to get worse so it's already like it's already hard to manage your spending when if you spend time on social media but um this year i've been massively into my fitness i obviously did hierarchy at the beginning of the year i've got some coming up race the back end of the year i've follow highrox athletes

i also really like we like danny and zorae don't we yeah because to the like we're a fitness couple just like them we do and quite earn that money make that bag i'm here for it so they're sponsored and then create amazing content that we can sit and watch them. I'm also like up for that. And so what I keep, no, I suddenly realized the other day happens and is happening actually now like they're getting on top of each other, these brands and these influencers. These drops. We've got a drop coming in the next drop. There's a skirt in this next drop. And Grace Beverly used to do it and I think she started some of it. I'm not saying she like she, but in my sphere. We've got like there's something.

come in, especially they'd tease it, they'd wear it a little bit, it's coming. Like, it's all a plan. Like, it's all laid out and they build up anticipation. Then there's like a pre-sales sometimes. You might have to be on a wait list. It sells out. Oshmews did it. And that's literally how they built their businesses, it's anticipation. But even the big guys are doing it. So I saw, more recently, Jim Shark did a, the first one I saw was quite a few athletes that I followed around there in anticipation of the high rocks finals. And this, gorgeous, like fluorescent fits for the summer for the gym. And I like getting a nice gym outfit. I do. I didn't get one of these. They were like fluorescent colours. But they were noticeable.

So I spotted them on quite a few different people that I follow. Within three weeks, all the same people were clearly told to promote a varsity range. Like they're all happened and it all happens at the same time. And if you follow the same people, they're all taking a picture in the gyms. And I'm like, oh. And this was a really weird range. because it was like casual wear, really. It wasn't actual workout outfits. It was fine. It then overlapped with another event that Jim Shark did at their HQ,

which was like the conditioning club. So it was bright blue, so very recognisable. So we're talking like within... Three drops. But the last two were in the same week. Yeah. And then at the same time, you know, Zora is promoting my protein range.

It looks beautiful. I really like my protein stuff. I use it in the gym. I work out in it. I wear it multiple times. So I'm all right buying it if I need it. And it's in my budget. But I've just been peppered by Jim Sharp for multiple drops.

My protein have... Payday sale. Who's our girl in them, L.A.? Holly. Yeah. Holly did arrange with them. So that when you're the customer and the algorithm's working that you're being served up similar types of people,

interesting, similar types of things, all I'm being shown from... Some people that are like sporting here, to me is to buy, buy, buy, buy, buy, buy, buy, buy, buy. And what's the drop? So what was the controversial opinion? I don't want black. I'm like the easier.

I'm like the terrible customer for them because I'm just like, oh, look, leopard print. La, la, la, la, la, la, la. Pink, bright pink, great, fluorescent. And then like, can I just have the basic black place? Thank you. But it, what was the controversial opinion? It was about the drops. You don't have to buy something just because it's dropped.

It's kind of that, like, we've talked about perisham before. She does on TikTok. I follow her on TikTok, but I've never seen... But she's more halls and drops. Yeah, she's kind of more like... So she'll just go, this is my Zara Hall and she'll put eight outfits and it'll be like, yes, no, and she'll choose, she'll go...

And do I like this? Yes or no. And you're not telling me that she keeps all the yes. Because I've then never seen her in any of the things that she said yes. But she can't be because that's bad content because then she can't sell it again. Yeah, yeah. She's basically just showing us what's in the shops at this way.

Which is part of me that's like... It's kind of handy sometimes. It is kind of handy sometimes. The new magazines. We, back in the day, would get like a maga grassy and go, what do we wear and how do we put it together? And I love the fact that lots of influence. I remember Victoria in the fro. Yeah.

Can I remember a second name? McGrath. Yeah. She's from Wiggins, so we like Victoria McGrath. But she, it's her career, obviously, but she does, every so often labour the point, which is, especially when she's doing like a nettee one or something that's like, you know, she's like, oh, this jacket's in the sale and it's too grand and you think, you know, you're kidding me. but she disclosed she said don't forget like i get um i've had an allowance to spend with

the and my goal with this is to curate different looks and feels and if ever the switch outs i'll tell you so i'll say zara i've got a really good one of these and at least it's caveated but it is this relentless like i'm exhausted you must buy oh on that we were speaking to our friends other day and they've got a teenage girl that goes to ha is leaving high school going into college and we were talking about kids buying designer clothes and it's getting ridiculous and like, were they talking about trainers maybe and how much they are

and oh someone went on holiday like the kids were football kits but they all wear fake kids now because it's if you want to buy Trios City come out of us we're not buying it 8 to 200 pounds of Teddy to have a football kit and I tell you now

he's spilling chocolate on it which immediately they spill something on and immediately the wash which is a problem in itself for kids are the minimum 80 just for the shirt For children's ones as well.

Children's, junior. No that on that. 80. Yeah. Yeah. Horrendous. Oh my God. And they do home away.

Third kit. Yeah. Yeah. Special edition kit. Oasis kit. Fun kit. Got it all. Teddy wants it all.

We don't buy real kit. So do with that information what you will. But now it started like when the kids go on holiday to like Turkey or whatever. They like things like Stone Island. I'm not talking about my kids, teenage boys or girls. Yeah. So they're buying, their moms are going in. Well, I'm not buying you a hundred and eight to pound Stone Island.

jacket but you can have that one in Turkey for 30 quid so they're buying that right which is fueling so not only is it when they go into school they're saying I've got a stone island kid someone's going that's not real you've got to scan it to prove to the people your peers that it's real but the fakes are that good now that you can scan it and it'll say that it's real like the label there's something in the stone island or certain designer brands where you can scan it and it says if it's real or not that that good that they're now coming up as real. Oh my gosh.

So they're now, they want receipts. So kids are taking receipts into school to prove that their mum has bought them. No. Yeah. Nike Air Mart. Deal. Yeah. Stone Island jacket.

Like, wherever is your receipt. So kids are taking, this is like a thing. Taking their receipts into school to prove that they're actually real and they're not fake. So just digest that for a minute. I can't. I don't even know what to say. I bought Teddy a pair of Panda Jordans, whatever they are, black and white trainers.

that are Jordan's. He's won them once. I bought them at Christmas. I don't even know how much I can't remember. Too much. I'll never do it again. He's just not that bothered. And I took him into JD. He wears crocs and football boots out of him. Yeah, he has vouchers for JD and he loves Monterex. And he says he loves Monterex. The t-shirts, $28 quid. The short's $35 quid. The rain jacket is $65 quid. And I was like, you've got money. You can spend it. What do you want to get? And then I looked at him and just said, if you had that in your wardrobe at home or you could put a football kit on what would you do and he was like I put the football kit on I was like okay we're going we'll pick you something like another day we'll pick you something else I cannot

bring myself to buying that stuff that is crazy but they're taking receipts into school to prove yeah it's sad isn't it we're in a sad sad state of affairs it really isn't it it's not surprising when like every scroll is by something and it's so we've always had that on TV like TV there'd be ads but it'd be for things that you didn't always need. So like, you know, washing deterrent, ad, I'm not like. You're a kid, you just go. And then once in a while they might be like, come to, you know, that's true, actually.

You know. Whereas now it's curated for you. It's heavily targeted and it's every third off of four scroll. So if you like see an odd muse story and you're hovering it for longer than maybe like five seconds, they go, hmm, we've got to, let's send her this and then this and then send her an email. I mean, listen, some of you guys listen to us. working paid ads, you know exactly how it works.

It's like retargeting, retargeting, like bring you back in, win back. You know, then you get like the codes in your inbox. Like I said, my protein. Funnily enough, always have a sale. Maybe it goes payday sale. And I look at it every time. I don't need anything. But I go, oh, it's going to stop in my brain.

That tells me it's going to stop when we've come out of payday. What I find fascinating, right? Because we're born on social media, this company, and we've reached people because of social media. it can do good and and it's you know it's brought a lot of awareness of things going on in the world it's brought a lot of you know truth to light that people haven't melted there's so much good of it but there's sometimes I think when people like reacting to these drops and buying if they'd have had a brick phone this person so if they were still going to

the gym and working out and if they were um seeing friends in the gym they could have been influenced by what someone's wearing maybe but if they'd have not been on the phone for like that three-week period that have missed three drops. Would they have been okay? Of course. Yeah. Like, would you have been okay?

Yeah. Every week I say to Neil or my gym group, I go, oh, I should really get some new gym outfits because I literally just wear black shorts, a black sports bar bar and a black vest. And every week it's wet through, stinky, horrible. I put it in the wash and I get it back out again. And it takes the life admin away of like, what, shall I wear today? I'm like, no, no, I've got a uniform for the gym.

I literally have a uniform. farm for the gym and it is what it is and let it be. To be fair, we were, I'm going to influence people now. We were talking about it before we came on here that my core gym stuff is black and navy and I rotate it. And it's a mixture of like, tops are like, shorts are like and leggings are like. And they all match each other. And I do have two bright coloured sets at really night from CRZ Yoga, which I called it

crazy yoga as well, but some people don't say that. It's on Amazon. People say it's a little bit of a Lulu Lemon Jupe, but bright colours. But I bought the ones that I could wear like for the summer. on holiday so they're like it's a it's not a crop it's a little bit of a crop but it's I'll go work for a nice walk and they're the only two ones and actually

they're the ones that ironically I'm a bit more nervous about worrying because I think it's like look at me black colour like everything else I want to hide and like black yeah maybe and I can't remember where again I would have been influenced but this this idea of the I think Jim Shock when they did that a few weeks ago

I think messed up I think true fans of Jim Shock Like, I've got a spending issue with it because I don't like people over spending and I don't like Klanar and I don't like this. I think people are going to get hacked off and go, actually, where's the value? I can't keep up because you're hyping up. All the different teams are doing it. Someone's working on varsity. Someone's working on conditioning club.

But actually, I think it's icky. Neil said the first, like, people that did drops was represent. It was like, they are the OG of the drops. Oh, I love the represent brothers. Yeah. They're from both. How they did the, like, set up of drops and access codes and. And they had to.

up demand. They're completely bootstrapped. So they had to build up, you had a wait list, and they had to know that they had this many orders so that they could buy them. And that's why there was a drop. And then they said, we'd do another one. And they were always limited. So I kind of get that, but now it's silly. And the amount of people that are... Jim Shatnot's done is who dropped, did they? Yeah. The amount of people in that owners club, there's like three million owners in the club. To be fair as well, I do really like them. And they've come away from, that's like what they did do. And now... I think they die when they see a middle-aged man in a pink

represent Honours Club Huddy I think they die because I do so they must like there's a time and a place and it's gone yeah

it's so interesting drops do you know what I'm good we don't often say this but I want to know what you guys think of it because that's my perception

of what I just keep seeing and in clothing especially in sports clothing but also I think in women's wear we're seeing it more often like Grace Beverly

Odd Mews it's quite It's in the latest drop. This is, or this is from such a brand. It's in the latest drop because it's, it's the FOMO. So by saying drop, it's as if it's going to go. Like, it's just dropped. Yeah.

It's not in, it's not in the latest season. I'm going to give everyone homework. If you see the word drop or haul, scroll on by. Yeah. I think you can say screenshot it. I was like, no, no. We can't handle that in the DM. Literally, if you hear the word drop, it's a marketing ploy.

They've planned it out. They're hoping you'll part with your money. And in three days, if you really find it. You can't sleep because you think about the t-shirt that you really like, then go back and find it. I sent Lydia this TikTok the other day, and it was this girl, and it's like Lydia's list of things that she wants to vibe. But this girl filmed herself saying what she wanted every time. I think I've seen them.

And it's like, cowboy boots with Edward Collins face on. It's like, there's random stuff. And it's like, the bubble machine TikTok shop keeps trying to sell me. Mine's the Italian brain rock toys for my kids. Have you seen that? What are the toys? I've seen Italian brain role. I have not.

What's Italian brain? If I cannot do this, my kids will disown me. Wait a minute. Is it Bella Chow? No. It's just a guess. I don't know what I'm talking about. Yeah, ballerina cappuccina.

Yeah. Me, me, me, me, me. What? Any parent. I don't know why you. know it, but any parent of like nine-year-old boys will be like, I know it. And they'll be singing the song. I don't know a song. Bombadino, Bombadino. Jetcroft flying on the ocean floor. No, you've lost me in a video. But there's like

little toys that are Italian brain rock toys, like little figurines, like Pokemon or whatever. And it's that. But every time I go on TikTok, they're trying to sell it to me because I watch the video because the song's so good. They're like following her around in. We're going to get her. She's going get some of these two quid toys. The reason I know those Italian brain rot things is because they're always over cat videos. I do watch cat videos, guys. Guilty! Sometimes when I don't know what to put on TV, I'll put a cat video compilation on like just in the background. Said no one ever. To go to sleep to? No, not to go to sleep to. I love it and the cat's like, boom, boom, boom, boom, boom. So you, so TikTok thinks, or the algorithm thinks you need to buy that. Well, how many moms will have bought it? I've done

I nearly went, I'll get them in time for the kids because I know I'll be like, sit, and we can take them on holiday. First time I ever looked on TikTok shop and it was like 17-day delivery. I was like, what is this? Shite. I thought you got it like the day after, like Amazon.

Anyway, I think we're on a dilemma's podcast. Yep. Okay. Dialecta number one. Really, I'm one. Yeah. Oh, God. We're interrupting this pod to deliver a public service announcement.

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I pay my credit card off every month. Is it okay to collect points? Hi ladies, love the pod. I'm an avid listener and love getting helpful tips and advice on how to be more savvy. I wanted to ask a quick question on your opinions on credit cards with benefits. For example, ones where you can collect points to exchange for flights, travel, etc. Are these a good idea if you are financially strict and pay it off every month? Or should I stay clear altogether?

Overview. I don't have any credit card debt, but I do still have one credit card open. I use this credit card for everyday expenses and always pay it off in full every month. I wanted to keep it for credit score purposes. Would really appreciate your outlook on these. Few different things to come out. Thank you for being an avid listener. You like repeat listeners that actually find value in

these conversations so yeah and remember we always lead with that's not evil credit cards aren't bad like it's a product it's not inherently a reflection of views and individuals so we always welcome questions about it you'll always get a direct view from us but we there are you know there's not circumstances where we go oh yeah we love it but we'll we'll try to explain the why behind it so there are some superhumans in this world that can hack credit cards properly, where they do use it for the normal expenses, they just happen to use a credit card instead, and then on payday, they pay it off. And what you've been able to do, if it's the right rewards card, is benefit from those

rewards. But there's a few different angles to that. One is, even in that scenario, if that is true, what are the points for? Like, what are you using in the fore? So, like, I use avios as an example. Lots of people say to me, obvious points. Sometimes I think Virgin might do one. They're not, they're against them.

They're like BA, aren't they? Yeah, they're conflict. Yeah, yeah. But imagine it's for like plane points, let's call it. So, great, but you're still limited to then go on a holiday where those planes fly to a destination that that flight might not have been the cheapest. So let's say, oh, we're going to. we'll go to New York this year.

Ealingis may be way cheaper when you're out to get business class, but you've got free tickets because you have to use BA and you have to use those times and that might not be the right time. You might want the Ellingus one. Certain rates.

And then it's a bad time to go to New York because the Olympics are on all. There's some World Cup's on and loads of people are going. And so actually hotels are more expensive, but we've got the points. We need to use the points. So there's this,

there's this fixation on for the points and the benefits. but no one ever then genuinely shows the maths because you have to spend an awful lot of money like your daily expenses unless you live a really boogey lifestyle you cannot possibly generate the points that make this such a game-changing decision

but you may get free tickets somewhere there's some people we know like they use it in the business, they're buying things in the business all the time it's not like your food shop and your petrol because I think that's where we have to come to you're talking about Christmas food shop petrol you're not going to change the game show me the point

I've not seen any of our friends ever take a picture of them, like, hey, thanks to Avios. Like, as in, we got this free flight with our obvious points. Never. I've never known any friend or family being able to get them. Where it's through spending. Yeah, yeah. So this is the point. So where there are rewards points when using credit card, I always go, well, so what, like, show me what was the value?

And did it also not cause you to spend more like, what if you don't want to go on a holiday that year? Yeah. So this is the one, and to that destination, whatever. So that's the one element, which is, oh, great, you do it perfectly. You cheat the system. You get points. So what? The credit score thing is that half-fally is the big problem with the way that a lot of mortgage companies calculate our risk worthiness and our, you know, how good we would be as a borrower, is credit history, which is really frustrating. But you can. We've got loads of blogs on this actually in the app and on the website. But you can hack your credit score and your credit file, which is more important. We say credit scores are shit because everyone scores different. Like, you know, Barclays will have a different algorithm to that West. Clear score will have their own pretty points and they'll be telling you, oh, by the way. To improve your credit score, take out this credit card. Oh, by the way, we get a commission if you do that. So you're very wary of scores, but your credit report, unfortunately, is quite valid. But you can build that in different ways. Like, sometimes it could be like, like, I, um, I've got a confession. Oh. She's got us credit. I've got credit. I've got credit. I didn't know.

so this shows. I needed, especially for the summer that's just gone by, to switch from GIF GAF to O2 because I needed overseas data. And every year I have to buy more data because I work, when we're away, we work. Like, even if we're on family holidays, like we're constantly on like our laptops and stuff.

And I was capped at this five data. I was having to buy data. It was so expensive. And my husband was like, mine is just O2 and it's fine. And on a contract, SIM only contract, not a

not a device I was able to get, I think I've got like 25 gig data or 100 gig, whatever it is, it's like overseas I couldn't possibly

watch enough cat videos, Lucy, to use up this. I can try. By the way, I'm on O2. When I went to Greece for a week, I used the whole 25 gigs of data.

If you're about to say that, I couldn't possibly use it. You're like, I don't know how much is, I'm hoping it's more than that. Whatever it is. So, but I know that they're the best

and to be able to move and keep my bill at a similar level, I had to take out a simile in the contract. So there's me thinking, that's fine. Like, it's a legal contract. It's a commitment to pay that. Unbeknownst to me, I get an email, and this wasn't in the flow, from clear score, which I keep track on,

because I love it when they promote credit cars to me, and I go, oh, great content. It's a credit agreement. Oh. So it's a... The SIM is. Yeah. So you borrow.

the 18 months' worth. And this is similar with insurances, which is a big scam. So when you do your car insurance, you can pay monthly or annually. And this is why we go. Sinking funds are great because if you save up, you can pay for it in full and you get it cheaper. And it's because the monthly is actually a credit agreement. It's not a penalty because you pay monthly. Paying the interest, are you?

Well, because what happens is, and imagine this is a bit like, it's so convoluted but it's usually the same fucking company as all which is right I did I know the guys at which quite well and we were talking about this and they hate it and I did a piece of them on in live with them on it and in fact if we've got time in our lives I'll see if we can champion it but we're a bit busy right now but what happens is they go we'll lend you the year we'll pay the insurance company the year and you can pay us monthly. That's what's fucking happening. But sometimes it's the same company.

So it's a scam. Like, why can't you just have rolling, it's not a scam, it's like you are being covered. But why can't you have just rolling cover? Why do you need to lend me pay up front for the year? So they can make money on the interest. Because for, yeah. So they can charge interest.

They rely on people not taking the annual because we're all shit with money in the UK and nobody taught us to create single funds apart from financial and then people pay monthly. So coming back to my so coming back to it, I have, I haven't had a credit agreement. She's not allowed, get off the count. Go on. Go.

I haven't had a credit agreement other than a mortgage in, oh my God. Do you remember when you got the next one by accident because you've got a swimming costume? Everyone knows that. This bloody swimming costume. Do you still got it? No. You should probably wore

it once. I probably did because I'd just had Avery and I wanted a costume and not a bikini. Can you imagine, like, you just don't forget these moments. Like, I burned on my memory. But so that I digress, let's come back to the credit score question because I'll write that quickly. You can do it in different ways. You can have, you can, utility bills, you can, we've got articles on it.

But there are ways that you can have a good credit file and not necessarily have an active card that you pay off all the time. You've already got credit history with this and it's a well done. And the third point is we are scientifically proven. This is why I said only some people, some superhumans can beat the system to overspend when we use credit because and it will happen you will there'll be something you'll go I'll put that on the card it's expensive that I don't know it into my emergency funds on my sinking fund sort of we need a lawn mower washing machine so this is bigger lot of just

listening off all the things that Carl says he needs yeah be a loan mower need a washing machine and he's only lands by it comes from the sink you the home sinking fund it I was like she like overthinks it I'm like as long as it's in the budget just don't tell me I really don't care but you'll overspend or oh should we get a holiday we'll put it on the card And so this is the, these are the things that you have to think about. So coming back, avid listener, to whether you should keep your card, completely up to you. But think about all the different scenarios because the last point is one job loss,

one health issue, one something you can't pay it off in full. And you didn't, you don't, like, was the cash there or did you spend it? So be aware of all those things. And pro for Laura, because she's got a credit agreement. She's being kicked off the sofa. Can we have a community win before I talk any more on this, Lucy. Thank you. Okay, so I've actually got an app win.

for today, which is a fun review. Oh. This is an amazing app. Really easy to use and all of your finances are clear to see. It's also quite fun having a play around with the budget to see what works best for you. As a die-hard paper and pen girly previously, I am now converted to using the app as it's so easy and effective. Love this. Can we have more at reviews please?

Something's wrong with our app story. It doesn't show us to enough people to get reviews. So if you are using the app and you're an avid user, please go on. to, I think you can go do it via the profile, can't you? You can go to the profile, you can go to the App Store page as well. So do it and screenshot it and DMOs, we'll like those. That's amazing. And I am a former and kind of recovering pen and paper girlie.

Love a good notebook. I hate it once I've used it and I need to get a new one. But it's hard to get people off pen and paper. It's hard to get people of notes, the notes section of your phone. So I love it when it's like, oh, you've converted me. That's so cool. If you'd like to tell us you'll head to the community in the app

or email it to the vault at financial dot com Okay right You're going to have to hold on to your hats Okay Don't for this one Invisible hats Like this

Go Cowboy Yeah My boyfriend Spent 6,000 pounds on Onlyfans When we were meant to be saving For our house No

Mm-hmm Oh my God Hats gone Okay. Hi girls. I don't know what to do and I feel completely blindsided. My boyfriend and I have been living together in a rented flat for two years. I cover the majority of the rent and bills because he's on a much lower income. Despite that, we made a joint decision last year to start saving for a house. I've been budgeting carefully, cutting back on little luxuries and even picking up extra shifts. He's always been really private about money, but I've been listening to the vault and have started trying to open up more money. money chats with him. That's when he's admitted something that's left me re-link. Over the past year, he spent over £6,000 on OnlyFans. I honestly feel sick, not just because of the money, but because of the lies, the secrecy and the fact that we had this shared goal. He says it doesn't mean anything and that he didn't realise how much he had added up to. I don't know whether to believe that

or what it says about our relationship. Is this a financial red flag, a betrayal or both? I don't know how to move forward on from this. Help. So it's really interesting because the only fans thing is they're like like everyone thinks that we would go mad at that but actually if it was anything so whether it was gambling whether it was only fans

whether it was like I don't know secret drinking and eating or like football like for himself yeah anything whereby I don't know I see it's extra with the or so that's an extra layer but even just like stripping it all back We've talked about financial infidelity before.

That's technically what it is. It's spending money on... You had a set goal that you agreed together. You've gone about it in a way that's very financial. You've modelled it out. You're doing your budget. You've foregoing luxuries to make sure you can hit this goal quicker. You thought you were on the same page with someone

and they've been doing something completely different that's arguably not acceptable. Not the only fans thing. Like, you do you. That's your prerogative. Like, that's for a relationship. podcast that we are not qualified to answer yeah a lot of fun money how much fun was it like six grand's a lot of fun isn't it ah this could be short or this could be long

like I'm appalled the bigger thing for me is this poor girl has been under the assumption that he doesn't earn a lot of money where's he found that from because it was it they run up debt is it's debt just spent he's shared but he shared so he's not that six grand debt

because of only he's shared that he's spent that and he didn't realize surely there's like a ticker in the corner that tells you

how much you spent maybe they don't want you to know that I think that would be a bit off putting wouldn't it yeah oh my god

it's all part this week just like she's been paying for more whilst he's been spending that there and that's the thing.

She's been a sugar daddy. She didn't even know it. Yeah. Forgo little luxuries. Imagine that. She's been giving up on her. She's not been having her mattress. Yeah.

He's been having little luxuries. Yeah. What's that? Extra shift. Exhaven. Extra shift. Oh my God. He's been putting in an extra shift.

I think I wasn't listening. I was so shocked. He's been putting in having a fresh. Oh, God. I need to rethink about all these different elements because I think I was so shocked at the beginning. Imagine. Imagine her. Finding that out.

Like, imagine that poor girl. Because it's the deceit. It's the, because I think if, does it, I'm like, can you read it again? How, over how long, God, it's getting flustered.

Because you could have spent it on like Warhammer. And it doesn't matter. Right. It doesn't matter what it is, as in. It does matter. No, it matters and it doesn't. It adds to it.

It adds to it. Yeah, yeah. It's like, it does, this is a less. lesson for everyone to be like, no, no, this is shocking because it's only fans. And it's like, layers, there's layers. It's shocking because you spent whilst as a common goal, whilst is a common goal and whilst apparently earning less and so that your partner is having to earn more money,

yeah, you have been spending money. And that's right, this could be on gambling, it could be on, um, playing pool, anything. It could be on gaming. Gaming's a massive thing for lots of individuals. Like, you know, when kids want robots, don't they? And stuff like that. No. It's the thing.

So to have been diverting your money to something else. On such a scale, again, I would be interested to know over how long because it just feels quite shocking. Yeah, they've lived together in a rented flat for two years. How, does it say how long it took him to spend six grand? OnlyFans? Did she say that? Over the past year?

Oh, God. Did anyone even miss this? Did anyone watch the Olivia Atwood documentary where she showed OnlyFans? Yeah. Did you see the one where the couple, she went into a couple, they were like, maybe in late 30s and they had kids and she was like, oh, so like, what kind of money are you making? They were like, and what will you do? And they were like, well, pretty much do, like, loads of stuff.

And she was like, okay, you just got something. Oh, no. She said, what was you, worst one that you've done? It was like, oh, she was like, I'll answer that one. We had to, like, we got paid to urinate on each other. And she was like, go on, then how much? And I'm thinking, 10 grand. It's like, what would that?

What would I do? I was thinking big books. Yeah, yeah, yeah. Yeah. Five hundred pounds. What? So they've got children at school age in primary school. They appeared on a documentary where they probably got paid next to nothing.

It probably just boosted their profile. On a documentary. That's so black mirror, isn't it? 500 pounds. I was like half a million, it changed a life. 500 pounds. And they were, they had children were in a couple of years' time. I remember it watching going, I think it might said how old the kids were.

And I was thinking, they're going to be in high school in a couple of years' time. This is going to come out. This is never going away. They're on the internet forever. 500 pounds. Oh my absolute. I'm just so sheltered. I am.

I was like, what? So he's done that in a year. That's so good going that. That's a problem. That's a problem again. And do you know what's hilarious about this? This is not hilarious about what I won't read it. Read it.

Listeners going through. Dear listener. But I'm just picturing all of you in your car going. It was in a fucking year. Yeah. Because I'm like, do, do, do how long it could be like gradual over a period of time. Six grand. But I think when I heard it, you heard it live, like you can't hear it.

You can't understand all the different bits of it. No. To watch a video. It's supporting independent creators. guys like what do you think she should do because I am just

thinking there's there's no there's no coming back there's not I would that would just be at the forefront of my mind

all the time because on an individual level lots of lots of couples would have issue with such a large amount of money being spent on

like sexual pleasure like somewhere else like such a large amount like I'm not going to go into the details of what people do and don't do But when you're saying you're a low-income earner to then spend that in a year,

you're either not a low-income earner and you've lied about it so that you can. And that's a problem. Or you are, and that's an even bigger problem, because as a priority, when we talk about priorities, that's where you've put that. So your partner is having to, this is the relationship dynamic. It isn't just where it's spent. It's how much you spent on for you and your pleasure. Like I said, could it be delivery, it could be,

gambling, which then is a different issue because it's more of an addiction. But that's why someone's relationships break down when someone has a gambling problem because unfortunately someone's not been able to take control and they've been out of control and they have deprioritized their partner. You don't seem to harm the other person. Yeah, and holding back the fact that she's doing extra shifts. Are you kidding me? Yeah. He's taken advantage of her and also another thing.

He says it doesn't mean anything. I know. So why do it then? Just two years. Kicking our house purchased two years down the line because you couldn't keep it in your pants or whatever you do on on the phone. What are you like?

Okay. You could be watching like shit beat videos or anything. Yeah, you might be. It must just do some random shit on there. So that we can decide whether it was a good idea. Show it to me. Yes. No.

Yeah. I think this is a very sad. Yeah. This is a very, yeah. This is a very tough situation. So if she was here with us, what we're saying to her? Get rid. Because she's here with us.

You're already covering the majority of rent and bills. You can survive by yourself. Yeah. You clearly can like save for a house. He's clearly not contributing much to it. Like. Yeah. Yeah.

And you will just. Resentful. You resentful. Yeah. So like if he wants to change and if he wants to start putting in more time, effort and money and not putting it in the wrong place, money in the wrong place then because I always like to give someone and I always like if she's saying I love this person more than anything I always like to go okay well what fixes it and what fixes

it is a massive change of behaviour and collective effort to go and make this happen for you guys you are doing everything absolutely everything yeah a star student yeah and he said it doesn't mean anything but is he sorry does he at what point in the sixth grand did he think this wasn't a good idea. That's half his house deposit, like... Yeah. Surely, if he's a low earner, he would know that six grand

was missing out of his income throughout the year, as in like, that's a big enough chunk. Because it's discretionary spending. It's not going to bills. It's not like, oh, I'm really sorry, like, I've actually got a child

that I've got to pay for and I've not shared that with you, which is a different thing. But it's not, it's for discretionary stuff. He's not got a sinking fun for it, so it's not allowed. Find the budget. Oh, God.

Speechless. I think it's the first time where there's been more silence than talking maybe. Just like, how? Well, I can't... Why? I think I just spiraled on.

I kept forgetting stuff because I was already getting annoyed with him and I just feel for her. You are doing amazing. Has been listening to this since like, like, let's go on board.

Yeah, we're going to do that. Yeah. And that's been the outcome. Like, I hate that. I think she was very brave to message. Yeah. And I think you are doing amazing and you can do this on your own and if your partner wants to make any changes

he can do so at his own pace but don't let him hold you back no and you know you be the strong he is holding you back right yeah yeah yeah do not substitute sub him not substitute don't sub him don't enable him um we've talked about this before on different podcasts where like people can earn different things and can be at different pieces but you have to be open and transparent and he's not so if he wants to see it at the same table and if he wants to have this future with you, he has to make some changes. So you do you. You're an inspiration, people with how much you're working and how much you're saving for this house. And you can do it without him. The purchase, whether you do the relationship without him

is like a big thing for you. But just a last closing comment is, I hope that you don't like what's happened and that you want some validation to really go at him on this. You have it because that's how shocked we were and annoyed we were for you. We've never had one like this before. I mean, we've had financial infidelity, but for something that's so disrespectful. Gambling is the closest one, and the other thing with gambling is it's more of an addiction,

so then you kind of feel for the person that's struggling with it. And this could well be an addiction, but actually you got into it in the first place. Let's see what you can do about it, because otherwise you are. We need an update on this one. We'll give you a bit of time, but yeah, that's no. Okay, that is all for this episode.

the vault is now closed and just a quick disclaimer the vault is just a chat and on life for many topics we're not giving financial advice.