The P Word.

By Holly Holland, a beginner on a pensions journey. Pensions, where do I start? I have never been inclined to learn about pensions or know more about my own. You know the drill, man in suit comes into your place of work to talk pensions and you

Did you know about ‘Breathing Space’?

The government will be introducing an official Breathing Space scheme in May 2021 as part of the Debt Respite Scheme (Breathing Space).  This is a positive step in supporting individuals to get control of their debt. There are 2 types of breathing space: a standard breathing space

Do you have a pressure-free Christmas buying strategy?

As the dark nights draw in, many are turning their minds to a much lighter topic: Christmas. A time for festivities, family, food and gifts. Lots and lots of gifts.  Christmas is a time that many look forward to but it can actually provoke fear, guilt and

Hold a Money Date Night

As the dark, cold nights settle in and the boxset choices run a little low, why not try the new-style date night? Long gone are the nights of Netflix and chill, takeaway and a glass of wine. There’s a new date night to consider (don’t worry, the

Our Community Winter List

Earlier in October, the Financielle community collectively compiled our Winter List of things that bring us joy during the autumn and winter months. Here are 50 of the answers we had, some duplication but we thought we should share them all! Walks in wellies Hot drinks outside

Who wants to be an ISA Millionaire?

The ISA Millionaire Club is an exclusive club. It is estimated there are now over 1,000 individuals who have grown an ISA portfolio valued at over £1,000,000, The current ISA annual contribution limit is £20,000 per person, which is £1,666.67 per month. If you were to max

How To Save Money – 10 TIPS

Wherever you are on your money journey, saving money is never a bad thing. Whether it is to pay down debt, build up an emergency fund or put towards a goal like homeownership, a dream holiday, or you may simply wish to put more money towards investing

5 Immediate Financial Wellness Steps

Financial wellness is often forgotten about as a pillar of wellness, yet it is crucial to being happy and healthy in life. A lack of financial wellness in our lives can lead to stress, anxiety and can prevent us from building our dream lives. Working towards financial

MODEL YOUR DREAM LIFE

We often dream of the life we want, and go as far, as to set the goals and make plans. What helps to bring these goals to life is visualisation, research and planning. Another good way to bring your goals to life is to actually model that

HOW TO PAY FOR A LUXURY WEDDING IN CASH

There are so many articles showing you how to hold your dream wedding on a budget. Pinterest is a frugal wedding rabbit hole and it is amazing how these resources support those planning a wedding on a budget. The other extreme is large budget weddings that, if

Budget is a Dirty Word.

Budget is now a dirty word. They are often spoken about as if they restrict and limit our ability to spend and that they keep us from doing what we want. People also connect budgets to not having enough and that they are only needed for those

100K.

This weekend, the Financielle Instagram account hit 4,000 Followers, so thank you so much for all of your support in getting it there. Financielle is two years old, but since March it has been growing at a fast pace. For a while, Follower count didn’t matter, as

Tough love is sometimes the way forward.

The definition of tough love is: love or affectionate concern expressed in a stern or unsentimental manner (as through discipline) especially to promote responsible behaviour. For some time, Financielle content has slipped into a bit too much of a “softly softly” approach, trying to gently nudge people

Why Your Debt Is The Problem…

This is a Monday morning truth bomb to some people reading this that are like everyone else. You buy things on finance. You use your overdraft. You put things on a credit card. You are normal. Maybe you thought you could afford the monthly repayments, or that

5 Steps to take your Sinking Funds Digital

Sinking funds are the corner stone of every budget. Not only do they ensure you have money to hand for those important expenses that regularly come up, but they help you practice the discipline of planning ahead and not spending everything you earn. Some people prefer to

The Gap(s).

One of the things that the Financielle Platform aims to do is address the inherent in-balance in wealth in our community, and give everyone no matter what the income, gender or even race, a simple strategy to achieve financial wellness. The Wealth Gap The gap between the

Why You Need a Money Strategy

The start of a new month, where many of you are starting a fresh budget, with a fresh pay check, is the time to execute your money strategy. But if you are “good with money”, why do you need a strategy? Many people let their bills go

A plea to Instagram Influencers: Stop promoting Klarna

A platform focussed on financial wellness can only do so much in promoting the positive and helpful ways we can improve our financial wellbeing. Understanding how you think and feel about money, following a clear strategy and plan instead of wandering from month to month and working

How to save like crazy for a house deposit

A big goal for lots of you is buying your first home: you may be currently buying alone, buying with a partner, or planning to buy “some day”. Whichever path you are on – most of you are going to need to build a big pile of

WITY

Someone very special to me shared a great acronym to help make decisions: WITY. WITY stands for: What’s Important To You? For example. You could be shopping for a new foundation: What’s important to you? Is it great coverage? Is it the dewy glow? Is it the

You just need to START.

The more we explore strategies for gaining control of our finances, we start to see that there are many synergies between a financial wellness programme and a fitness or healthy eating programme: 1. They are all good for your health, for example, whether that be physical health,

5 way to focus on money for your self-care

The self-care movement has boomed in recent years, with not only society’s approval but its active encouragement to practice self-care. Self-care is essentially something that a person does regularly or often that helps them personally live and sustain a healthy life. It could be setting aside alone

Why a 90 Day Plan is PERFECT for us all right now

Traditionally, goal setting involves looking at a combination of short, medium and long term targets to aim for. Examples of longer term goals may be to compete in the Olympics, or to become a architect, or for us mere mortals, it may be simply a goal to

The Launch.

I wanted to take some time, in the hype of the madness, to write down how I am feeling right now. This weekend, I finally launched something that has taken years to come together – my financial wellness course called The Financielle Playbook. It quite simply has

Ask the Expert: Buying and Selling Property

When it comes to money, buying or selling a property is usually one of the biggest money moves we make. We had an amazing interview with Leanne Parr, founder of award-winning estate agents Harper Williams, who gave us her expert tips for buying or selling a house

Wealth is the by-product; not the goal

There are a million resources out there about how to become wealthy. Everyone (whether on good authority or not) has a view. Invest in property. Invest in the stock market. Invest in bitcoin. Sell on Ebay. Create an Amazon Store. Start your own business. There is nothing

So explain a mortgage to me…

We’ve all disappeared down the Zoopla or Rightmove rabbit hole. Whether it’s having a sneaky look inside a neighbour’s home, or contemplating whether you would have to redecorate the £1M house you stumbled across, it’s easy to get carried away looking at houses for sale online. When

You do not need to take out credit to improve your credit score…

We think it is important to point out something that appears to be an urban myth in finance: you do not need to take out credit to have a good credit score. Yes taking out credit and using it responsibly can improve your score, it doesn’t mean

Why it’s good to combine your finances with your partner …

There is no right or wrong way to deal with finances, especially in a relationship, so that is the first thing to remember. Especially as there are so many different variations of relationships – such as blended families, new relationships, irregular earning patterns, no children, some children,

Tips and Tricks for working at home during Coronavirus

We wanted to share some tips and tricks for working at home during the Coronavirus and, after asking Instagram for help, we have compiled the below: 1. Get Dressed It might seem like a simple tip, but it’s a crucial one. You can still wear something informal

Can you freeze car finance payments during Coronavirus?

There has been a lot of helpful guidance during the Coronavirus crisis about how you may be able to freeze or have “holidays” from big ticket expenses such as mortgages or credit cards, but what about car lease payments? For many households in the UK, two car

Riding out the storm…

For whoever needs to read this right now. You were sailing through life, one monthly pay check at a time. Bit of savings here, bit of debt there. All going smoothly. And then one day, the storm to beat all storm comes and hits your life like

Monday Motivation…

We love a good fresh start, a good routine, setting better habits than the days prior. Maybe Mondays give us permission to start again? Here are some things you can try from today to be more “financially well” this week: – Study your bank account and don’t

International Women’s Day 2020 – 5 things you can do now to help advance women financially…

1. INVEST See money as a tool for growth, rather than an enabler of consumption. This is a key factor as to why women are so far behind men financially. Women are more likely to indulge in “retail therapy” in response to a negative situation such as

You’re probably an Investor already

Would you call yourself an investor? An Investor is a person or an organisation that invests money in something, with the expectation of seeing a financial return. Let’s consider the ways in which you may already be an investor: 1. You invested in you You may have

Why You Should Want to Budget

It doesn’t matter whether you earn £10k per year or £1,000,000 per year – if you don’t know how to manage your money and tell it where you want it to go, you will have nothing much left at the end of each month. So grab a

Control the month, before the month controls you

The end of one month and the beginning of another is your opportunity to “start” a fresh and take control of your money and your goals. 90% of winning with money is about behaviour: your emotions, your intentionality and your planning. 10% is the actual maths. So