The Vault with Financielle - Should I Use My Savings To Clear My Debt? | The Vault Episode 22

Episode Date: July 24, 2024

Send us a textWelcome to The Vault with Financielle.In Episode 22 of The Vault, we discuss the controversial opinion, ‘wellness is for the elite’, before diving into our listener dilemmas: "Should I use my savings to clear my debt?""My parents give my brother more financial support than me!"We also celebrate a listener increasing her net worth by £900 after just ONE MONTH in the Financielle community! 📈💸If you’d like to share your money win, head to the community in the Financielle app or email [e-mail] Send your (totally anonymous) money dilemmas to [e-mail] and we may feature yours on a future episode 💌Visit https://www.financielle.co.uk to join our community!Chapters:00:00 Morning Gym Struggles00:56 Welcome to The Vault02:27 The Elitism of Wellness11:58 Dilemma: Savings vs. Debt16:02 The Urgency of Financial Decisions16:29 Savings vs. Debt: A Balancing Act17:35 Community Success Stories18:43 Podcast Review and Personal Finance Insights20:19 Sibling Financial Dilemma22:17 Reflecting on Family Dynamics30:51 Closing Thoughts and DisclaimerThe 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

I'm back at the gym this morning and I fell out with Neil about it. What do you mean? Was it his fault? I fell out with Neil remotely because I... Remotely? Did he know or was he not? I'm having a virtual argument right now. You've got it in my brain.

That I'd be able to lift something, a weight, a particular weight. Oh yeah. I was like, no, I can't do that, I'll do a small bar. So like deadlift or... Dead so like big bar deadlift big bar 20k each side so I think it was 60k and I was like I can't do that can I and it got into my head he's like you can I was like no I'm gonna do smaller bar and I'm gonna do 20 each side and then I think the small bar's 15 and and then I was like this morning I set the bar up to do it and I did it and I hurt my back so I'm literally messing around I was like, this morning, I set the bar up to do it. And I did it. And I hurt my back.

So I'm literally messaging him. I was like, I'm so angry at you. It's your fault. You got into my head. He was like, so you didn't start small and build up. I was like, no. You didn't say that. No.

Welcome to The Vault with Fine Art Child. This is a safe space where we talk all things life and money and no topics are off limits. Happy Thursday, everybody. Happy Thursday. Happy Thursday. I love Vault Days. Vault Days are good. They're the best. life and money and no topics are off limits happy thursday everybody happy thursday happy thursday i love vault days vault days are good they're the best i get influx of messages on a vault day and i forget what we said they're like oh i'm just seen talking about this i'm like oh yeah we did talk about that and do you know what that was really helpful for blah blah blah i watch it back while i'm doing my makeup and nod along i do I was laughing my head off this morning it's really

embarrassing that's exactly what I was thinking she knows what she's talking about I did the same thing this morning I was doing my hair and

my makeup and I'm giggling to myself it's not healthy I like how excited people get when Lydia talks because she's like the stig off top gear like no

one knows just faceless are we going to do a Christmas unveil definitely unveil like a reveal she's starting to veil No one knows. Just faceless. Are we going to do a Christmas unveil? Definitely. Unveil? Like a reveal? She's sat in a veil.

I like the way she's a boss. Behind the curtain. You are a little bit behind the curtain. And you are the boss. But she is in a chair of power and I sat in it earlier for a little bit and it just feels powerful. She feels like a Hollywood director.

She's got a really important chair, a kind of full fat Coke, and an iPad and a pen and she's She feels like a Hollywood director. She's got a really important chair, a kind of full fat Coke and an iPad and a pen and she's ready to take on the world. In fact, she looks like we could be auditioning and she'd be like, next!

Cut. You're through to now. I think we've seen enough. Yeah. Is it like, is it Simon Cowell when he does the hand of God? Yeah.

No, I get the gold buzzer. Boom! It's a no from me. Okay. I've got a controversial opinion wellness is for the elite I feel like this is my bag and I'm gonna jump straight in because I want to be a reformer pilates hun it's really expensive i do want to give it a go but i saw um a tiktok that i sent to lucy the other day and it was a lady talking to camera about run talk and run talks been really popular over the past i would say a couple of years it started to pick up a lot more lucy was probably getting serviced run talk because she's recently run a half marathon

she did amazingly well oh no i've not run a marathon and i've been served it up as well so i think everyone has you can't get away from it this trend of like running but not just like i'm just going out for a casual run it's like i'm doing a half marathon or i bought these new hook shoes i bought this running vest i bought these supplements lucy's like are we taking off all these trends sorry we're talking about lucy here but a lady was talking to camera about why it has suddenly wellness and fitness and exercise and anything good for your well-being why is it suddenly turned elitist like why do we have to

buy like the best things and why the influence is all jumping on and brands jumping on what happens just going for a run because it was good for your health, grabbing a pair of trainers and just going out the door. You don't need a smartwatch. You don't need the supplements. You don't need the gear. Just go and do it. You don't need to take a long arm selfie

of doing the run. Four mile. Yeah. Six mile. It's when they're like, easy mile 17. I like the comments where it goes, this is the same mile.

Like you just recorded. I can see the same place. You're is the same mile. You just recorded. I can see the same place. You're in the same area. It's a long road in California. I'm doing loops. But people did used to just go for a run. Like dads would throw on t-shirt and gym shorts and high socks and dad shoes and go for a run. And it's just because of consumerism, isn't it?

It's another excuse to sell stuff a lot of the um fitness influencers get gifted thousands of pounds worth of stuff and um and that you know we we want to fit in it's just so natural to want to look like it's like in pilates and maybe does everyone wear tala or adenola you know would you go this is a question Holly what would you wear to a follow pilates I'd have to buy a new outfit yeah you would

you would not fresh fake tan yeah there's a look and you couldn't just throw on your bottom of the pile

gym stuff that doesn't matter you'd just shorts and you'd look like a boy in PE that's what I look like or you'd just walk up in your boyfriend's what I look like or you just woke up in your boyfriend's pajamas

I go to our gym when I'm in a session on my own because you can book like a private room with a hole in the leggings like I give no S but yes

if I was to go to a really aesthetic reformer pilates class and I'd have to stop on the way home for a nice matcha our friend our friend said

she'd be scared she doesn't want to go because she's scared of what people think and she looks amazing don't say her name but you know she also didn't say that

she was worried about what did she say something else if she was moving and air and gas and whatnot I'm not going to say her name out

but she knows who I'm talking about but it is yeah they were talking about if you don't take a picture did it not happen yeah another Pilates when I think I sent it to you again because I'm like about but it is yeah they were talking about if you don't take a picture did it not happen yeah

another Pilates when I think I sent it to you again because I'm like look at this content someone was like where are my Pilates

girls at and this woman was like we're all at home on YouTube like doing free sessions why are you paying like laughing at this person who was being a bit

elitist about reformer like why am I not seeing you know my crew there the woman's like because we're all at home doing it for free on YouTube idiot move with Nicole what's that move with Nicole yes she's the best Pilates yoga girl free YouTube free yeah it's very it's a hard one when um sometimes a nice gym outfit, a nice new class, a nice gym is the thing that really incentivises you to go. And lots of us could just whack on some trainers and a random outfit

and try and do the couch to 5K. But nowadays it's harder and harder to just pick up and do that. It's like we're so conditioned to that's what running looks like now. And it must be, yeah yeah it's really hard i feel it is a big worry from a health perspective how many people just don't do it because of that and we are cutting out i feel like a large proportion of the population that now think exercise isn't for me just a quick one laura here if you're wanting to take back control of your money ditch debt make better decisions and build wealth for the

future, the Financial app is for you. With Financial, you can track your spending on the go, hit your money goals faster and create a realistic budget that you can actually stick to. Not to mention, you'll be part of an exclusive money community who share tips, offer support and celebrate your successes along the way click the link in the description to download financial and start your free trial now this is your sign to take control of your money today okay i'm done let's go back to the vault and that's just completely wrong and even eating i was like when i went to our friends have got a beautiful place in france called manoir muret and they do a lot of wellness retreats and I asked um Margaret I said are you

gonna get like ice baths and stuff and she was like no she said we're all about accessible wellness and if we start to show that you need a private chef or that you need if you need you need a particular type of ice bath you can't just have a cold shower you know and and and go through like cool therapy and you need an led mask and you need this and you need this then it it ostracizes people to you know when we think about longevity at any age and of any you know financial means it it's not as sexy sometimes and not great social content to show like cheap wellness or accessible wellness but I'd like to follow that I think I've put something on LinkedIn the other day about eating well has become you know people just

there's a lot it was when Jamie Oliver was doing the school meals thing I don't know if you remember that movement and there were you know the schools kept saying you know it's just so much cheaper for kids to eat like frozen chicken nuggets and turkey twizzlers and turkey dinosaurs and all the horrific food that got fed to us back in the day. I go around a supermarket and frozen veg is really accessible and some meats are really accessible. You can switch out no meat days. People do no meat Monday and whatnot. Like you don't have to buy organic. You don't have to buy the top of the range, everything. And I think people kind of make excuses because they go, it's just too expensive, instead of just hacking the way through,

of which you absolutely can do. So, yeah. I was watching a TikTok. I've saved it. I won't play it, but... What did I not save it? I've not sent it to someone. So, is it Erewhon?

Erewhon. Erewhon. Oh my God, I want to go. I know. So, it's this like super, super healthy store it's like whole foods on steroids exactly and there's this girl who takes her new york dad around it and she keeps holding things up and saying how much you think this is and it's like pineapple cubed and put in a plastic box and it's like 30 dollars he's going what the guy in the corner i'll chuck one for you

and i know how much what about these and what and then her boyfriend as well is guessing and they think they're guessing high and there's another 15 dollars on the top of their guesses and he cannot comprehend that this aesthetically cut rainbow colored but essentially fruit and veg that's what it is is but I do want to go I just don't want to go I'll do it for you pay me could you pay it because it looks so cool

it does you would but for the ground if I was there I mean if I'd made all my way to LA I'm going to L1 let's be honest

we'd be fuming if you didn't go in and buy a smoothie for $50 I'm going to London this weekend and like every time I go, we have a planned Whole Foods picnic.

Is it expensive? Yeah, it's like, you pay like £10 for like three cookies, but they look really cute and like, and they're all like healthy. They look so cute. So good. And the guacamole for like £10.

Smash up an avocado. But it's just so good. It's not the same it's the same yeah i think the thing with wellness is for the elite it's one time and money like we're looking at a lot of these influencers who it's their job a lot of fitness influencers it's their job to do that and they're doing like oh yeah i'm gonna do a brick workout today i'm gonna do a 10k run and then a 30k cycle and i'm like you've got time for that yeah the normal person consuming your content does not have time for that she squeezes it in before work if she can

she's running around with kids or not kids trying to get them to school she's trying to get to work on time she's trying to remember a laptop it's not a real really well that day she's gonna commute an hour on the train no one's got time to do this they're running around with a tripod like oh let me just do my let me just get back in bed and pretend i'm waking up again like it's so not real life it's it's it's very very hard um to to not think i should be like that and i should have that but yeah when you've got uh you can afford meal prep or you can if all you have to do that day is go to the nice shop and then cook yourself that nice meal and then eat that nice meal and then edit the video if you're making that nice meal yeah no I'm running around doing a meal prep at 9 p.m at night so that I can you know live the rest of

my life wellness is not for the elite not okay time for dilemma number one should I use my savings to clear my debt hi ladies I'd just like to say that I love the podcast and listen every week I have a slight conundrum that I thought you'd be the perfect people to help with so thanks to financial I've been able to save a lot more than I usually would have recently I have nearly 10,000 pounds saved up and it's now sitting in a high interest bank account but I also have £4,000 credit card debt which I've also been chipping away at. It's interest free for now so I'm not too bothered about it but it runs out at the end of the year. What do you think? Should I use my savings to

clear my debt or is it better to keep my savings intact? I'm nervous about seeing the number go down. I can imagine this is a perfect example of how your personal situation is really important here because cash and emergency savings and well done that it's in a high interest rate savings account because so many of you do not have it in one. I challenge you, have a look what your current account pays, have a look what your savings account pays because it will not be paying. If it's in a default one or you've not thought it through you could be missing out on your money making free money um so that's that's really good it depends on your living situation like what we what we tend to say is if you want to get rid of your debt um it's really important to have an emergency fund first because that's your um that's your backstop for if you have an emergency and you

don't want to go back into the credit card, you don't want to add to it, you'll budget wrong because we always do when we first start off. So a mini emergency fund is a really good idea. And we tend to suggest at least one month expenses. And so depending on what that is for you, once you've got one month, usually that should help most immediate emergencies. And if any other emergencies come up during that time, you can pause overpaying debt. So like some people criticize that one month expenses thing, but it's because you need to start somewhere. And if all you do is build up and build up and build up savings, we want you to get rid of that debt and get that in your mindset that I'm going to be debt free.

This is going to be out of my life. I'm not going to use finance. So I think that's the one side of it to know, look at that one month's expenses. If you are solely responsible for all the bills in the house, if you're a single, if you're a single parent, all these different things do tick the balance where you may prefer to have more savings. If it's more of a nervousness though,

if you're in quite a stable job and you've got quite a stable income and you may have other people contributing financially to the household. I feel like you need to be probably a bit brave about the fact that you've not really got £10,000 saved. What was the debt? Was it four or six? £4,000. So you've actually really got six, really, because they net each other off. When we do the net worth in the app, it nets off the liabilities and assets and so if that's the case

that actually it's just a bit of a safety net and too much of one and really you could immediately be debt free today rather than just chip in you will then be so incentivized to build that back up again you'll be stressed that you've only got like uh i've done it again how many six left six left i'm like which one's right she pays up yeah you've only got six and you want to get not to be sniffed out as well no it's not like we're not stripping everything back and and so i would i would suggest being aggressive with it and have you been there before yeah where i've been taught i was toying this was when we were uh i think you'd maybe written the playbook and we had a little bit of credit card debt and it and Laura and we had savings and Laura was like um you know you could use the savings to pay off the debt and I was like then I don't have any savings she was

like have you got like an emergency fund so if anything goes wrong you don't add to that more and I was like yes and she's like I promise you you pay down that debt with those savings your savings will just rocket once those debt payments are gone because everything's going towards stuff that's growing rather than stuff that's gone before. And it's just such a big mindset shift. And it's probably one of the most popular comments that we get in our community.

Guys, I've got this much debt and this much in savings. Do you think I should pay off my debt with my savings? And everyone jumps on to answer. And they're like, honestly, do it. The ones that have done it, they're like, do it. it do it now why didn't you do it six months ago you could have felt this amazing like but they probably asked the same question previously because it just feels so wrong doesn't it I've got debt to pay but you say you've got a savings goal it's like get rid of one our big thing is just simplifying it do one thing at once but do it

really well Lydia how does that make you feel when someone asks that question what do you think sorry can you repeat the question the savings versus debt so she's got 10 grand's worth of savings and she's got four grand debt I think as long as you've got an emergency fund it makes way more sense because you're gonna have a complete like that's a huge stress gone isn't it even if you don't have that many that much savings yeah because it's because it like you said six is still a lot I think that when savings because I know savings are really important to you and and and like you know you run the house on your own you've got to make sure that you can look after yourself and so lots of people may be tempted

to keep the debt there just so they can see the number grow in the savings but it's like false economy when you work out the net worth though it's still the same yeah exactly it's just putting it in a different place yeah you're like kidding yourself a little bit you're like yeah i think so i think i think once you've sorted once you've got that little emergency fund in a place that genuinely covers what you think it needs to cover lean into the debt and then oh my god you'll be so excited to jump back into the emergency fund and build it and get back to that 10 yeah no brainer for me create some urgency yeah speaking of network i've got a really good community win this week

i can't believe this but after one month of being in the financial community my net worth has increased by almost 900 pounds oh my god that's cool I thought that this app was going to be good but I didn't realize it was going to be that good and what's weird is that it was a challenge but it didn't feel impossible and I wasn't as daunted as I first felt being in financial I know who this is she won't mind me saying because she was one to watch and if you've seen the vault newsletter um the past week i think it was we did a ones to watch and hannah was absolutely one to watch she is absolutely smashing it hannah yeah yeah first month but it's got to feel a bit hard like she said it was tougher than i thought and

it's like yeah yeah because you've got to sweat a bit you've got to work at this stuff yeah she's one to watch there you go proof's in the pudding come back to us Hannah in like another six months and imagine what that could look like that net worth graph is going to look so pretty she's going to do big things if you'd like to tell us your win head to the community in the app or email us at the vault.financial.com time for our my new favorite segment who am i going to pick on this week don't make a contact with us ones where you know you haven't even picked on twice two weeks in a row or is she gonna do me again i'm gonna keep you on your toes so maybe lydia i'm gonna cry i want this time. Is it on Who Wants to Be a Millionaire?

And it's... And I want a spotlight overhead. So we would really love you if you reviewed our podcast. Five stars again is preferable, but be honest. I said that as David Beckham. Be honest. Lydia. I'm going to give it five stars. um okay let me try and write this formally

you can say it in like three words if you want so you're gonna say an accent okay well I can't I can't do three words but I like that you are passively learning about personal finance without realizing it because you're just enjoying yourself um I'm I am just sitting here accidentally learning about pensions and things I have no interest in so I'm grateful that this podcast makes scary things less overwhelming. Oh, I think that's 10 out of 10. That's incredible. I would review your review five stars.

Thank you. Okay, time for dilemma number two. My parents give my brother more financial support than me oh that's crazy i'm annoyed the worst sibling so this is funny she doesn't know how much help i have hi girls i'm struggling with something that's been bothering me for a long time. My parents have always been supportive, but recently I've noticed a significant difference in the financial help they give me compared to my brother. For context, I'm 37 and my brother is 29, so there's a big age gap between us. My brother seems to receive a lot more financial support

from our parents than I did at his age. For instance, when he needed a car, they bought him a brand new one without a second thought. On the other hand, when I needed a car to get to work and university, they gave me a small loan with interest. I would take that. Which I made it my mission to pay off. They've also helped him with his living expenses, while I've had to work multiple jobs to cover mine. It's also worth noting that I lived at home during my time at university and I had to pay rent to my parents. When my brother did the same, they didn't charge him anything.

I really get along with my family, but I can't help but feel frustrated and a bit hurt by what I perceive as favouritism. I've always been responsible and independent but it seems like my hard work is being overlooked and undervalued. When I try to bring this up to my parents they assure me that they love us both equally and that the financial help they provide my brother is necessary because he's still finding his feet. Yet I feel their actions is sending a different message. This situation is causing a bit of tension in our

family and I'm starting to avoid spending time with them as it really annoys me I don't want to seem ungrateful or jealous but also I can't ignore how unfair it feels is there any point in making a deal out of this and if yes what on earth do I say this is a really good one and one thing I would say and she doesn't hint at it but their financial situation could be very different it's 10 years difference between them 10 years yeah they could have been in a very different it doesn't sound like it because it sounds like they've she's kind of addressed it they've said he's trying to find his feet but at the same time they could be in a very different financial situation so we have to consider that another thing is a safe space it's a safe space it could be 50 years and still flying in the speed it is a safe space

and this is I'm conscious that I don't want to go there but I'm going to I feel like the baby boy of the family

gets looked after like I feel like I feel like there's a little I feel like more the boy like the mums with the boys I'm a boy mum

I feel like I'm a tough boy mum though but you only have two boys you've not got girls no as in. I feel like I'm a tough boy mum though. But you've only got two boys. You've not got girls. No. As in like, I feel like, if history tells us anything,

it's like the young, like nepo baby style, like boys always struggle and the mum always wants to like mollycoddle and he's just finding his feet, like finding excuses. Is there something there? Is he not the younger sibling or is it?

I don't know because I don't feel like I've... you fell for it here we go I don't feel like we were treated not by like it's like very easy no I don't think we were and I but I think I think again you said that like we were a similar age similar um I think if you're very similar on a personal level on on like a relationship level you know like i think i've got i've got so much to say on this so jesus christ let's just like rein it in a bit one thing is um imagine someone has a health issue uh like they they need extra care and support because of maybe a physical disability. That's much more obvious. And so it could be you can't drive a normal car and you need an adapted car. Or there could be things that were not, if they're not the same,

you don't just treat people exactly the same just because you have to be exactly the same. A penny here, a penny there. I mean, our bloody mother does it at Christmas. She's like, oh, that kid has had 20p more on it than that kid. So I've bought that one four pounds of a thing, but then I need to even it up. And then it's like, and I get it because she's so conscious that you don't want someone to feel more in favour or not.

But also there's different, people are different. People need more help. Like someone could want to study at a particular university to do a particular course that costs more money. I want to be a doctor. I want to do a three-year marketing degree. They're very, very different decisions. And so I think there's that element to it,

which is we're all different. So it's not just because you had this that he should have to have this. The other side to it, and because it's a really good question where she asks like, what should I do about it? And you have already asked about it. And I think you're going to be happier if you work on you rather than them. And we've got this in our life in different ways where things will just annoy you. Life isn't fair. And if you focus in on what's not fair,

it will eat you up and it's not eating them up. They're cracking on. Alison, it doesn't sound like the being overly cruel and favouritism. You could be building that up a little bit. And I'm trying to be really polite here because I've been there. So I don't want, you're not the same situation in terms of siblings but where you think well that's just not fair especially if you're like Holly's all about the justice she hates injustice and so don't sleep

at night so it annoys her but it but I think you're right she can only control her reaction to this situation and she's never going to turn them around what she want to do go back 10 years and be like so I want all the money that he's had instead of me. You're going to gift it to me. Also, I would take it as a compliment. It sounds like you had your shit together at that age and they obviously saw that you had your shit together. And you still obviously do.

Yeah, it's not a bad thing that you are so capable. I was going to say, I know it's probably make you roll your eyes, but I think being grateful for like, that's how they've raised you. Yes. I'm sure your brother the thought of like them moving out having to buy his own car all of that stuff might seem really

overwhelming but to you that was just like a natural next step this is what you've got to do to get there and that's like arguably a better position to be in yeah 10 people change over 10 years as well their family may have been like a little bit strict back in the day. And I think when you do have another child, everything relaxes a little bit more. Like Laura fought to get her belly button pierced. I did the equivalent of a Canva presentation. She did PowerPoint back in the day. It was probably something before that.

It was printed. We've still got it at home. My mum's got it. She's really proud. A full dissertation on why she should have a better bullet law dissertation they were cutting those pictures of britney spears christine aguilera i was why that was an argument for you to have it done i have no idea role models britney had it done and then and we did athletics at a time when you wore crop tops

and all the girls so it was like i wanted my belly button pierced but like i mean god no it's just a stupid hole it's not oh why did you let me do it mother I'm actually really angry at Laura or my mum that this dissertation got passed because she in fact did have her belly button pierced you got it granted

but then literally the day I just was like can I have it done my mum was like yeah right then she was like I fought

for four years to get the belly button it's just riding in this lip stream like yeah literally and I hate it it is a hole I do I hate it four years to get like a belly button just riding in this lip stream like yeah and I hate it

it is a whole ritual hole in my body that I do not want to have and it's your fault I would I'm not trying

but I might buy one oh my god only for then millennials to introduce the high rise which I wasted never to be seen again

but though and I think ears pierced was the same laura was desperate to get her ears pierced and mum was like no you can't until and then literally like the year after i was like so i'm thinking about getting my ears pierced mum's like yeah sure laura's like god damn you i got a nice beautiful silver peugeot 206 she got a volkswagen beetle convertible brand new red stunning so hang on this is about us this does happen drive with a top down probably is a thing with second siblings whereby the parents have gone through the pain

the worry the protectiveness of the first one and they're like oh it wasn't that bad after all but then I could sit there and think and I don't't think. So I'm like, I got your belly button pierced. But you could sit and think she got a nicer first car because I had a lovely first car. I absolutely loved it. And we owned it. It wasn't on payments. It was like mine.

And I used to drive with my friends in it. And I absolutely loved that car. So it's very easy to go, oh, but I won't, I didn't get what you got like and it's that's not life so I think like you said controlling what you can control it doesn't sound it that he's the favorite from what you've said what it sounds like is he is getting more financial support that that's not favoritism if it's in the way they're speaking the way they're treating the way they're inviting him to things are not you that is to be addressed and that's not fair but i think being more proud actually of how he probably looks at you and goes god i wish

i was as she's got organized as her like i wish i could be like her take it as a compliment take it as a win the journey let's turn this is yours to go through let's flip it on its head and see it as a positive definitely well done yeah any final words I'm going to go back

through my life and look at what Holly got first add it all up and invoice parents and then I'm going to Trish will listen and then she'll even it up

if she thinks but it'll probably backfire on me and I'll have had way more than she's had and be like oh my god

actually scrap that get you a voucher for Claire's for another piercing as I say next episode I'm going to show you my belly button piercing

dangly chain it's giving danger I'm going to get it Paula no don't get it tattoo Paula how old were you Laura's probably 25

and I was probably 12 no I would say probably 14 or 15 because it was athletics so it would have been high school so I was probably 10 she's a toddler irresponsible parent

toddler wandering around with a belly button dangling it's shouting to me getting trapped on something and ripping out like yeah

it's just dangerous like a zip not necessary yeah gives me the dangerous like it's not necessary yeah gives me the ick it's really annoying you just have to twist it anyway on that note the vault's now closed what what do we say let's get out of here I'm gonna bring the presentation next week I'm gonna get my belly out you're not seeing it that's all for this episode the vault is now closed um just a quick disclaimer the vault is just a chat around life and many topics and we are not giving financial advice