In this episode, I’m joined by Laura Pomfret, Co-Founder of Financielle and BBC Morning Live's go-to Money Expert. Laura doesn’t just talk the talk, she cleared thousands of her own debt using the exact method that’s now helped thousands of women do the same. Including me. Yep - her method is the one that helped me pay off £11,000 in 10 months.

We dive into what actually moves the needle when you’re trying to get your money sh*t together - like budgeting that doesn’t feel like punishment, the low-key brilliance of sinking funds, and why community support matters more than hustle. If you’ve ever felt like personal finance advice isn’t made for people like you, this one’s a breath of fresh air.

Key Takeaways

• Laura's Financielle Method - that's right, the same one that helped me pay off £11,000 in 10 months.
• Budgeting isn’t restrictive - it’s just giving yourself permission to spend intentionally.
• Sinking funds = secret sauce for avoiding panic when life throws a bill at you.
• Building wealth? It’s a long game, not a lottery win.
• You don’t have to be fearless, just feel the fear and do it anyway.
• Tracking your net worth can give you the motivation you didn’t know you needed.
• That guilt after an impulse spend? You’re not alone - and you can plan around it next time.

⏱️ Episode Chapters

00:00 – Welcome to your financial glow-up

00:20 – Laura: The woman who changed my money mindset

01:33 – Confidence doesn’t come first, action does

04:25 – Why we overcomplicate money (and how to stop)

07:06 – The boring truth about building wealth

09:59 – Tiny steps > big overwhelm

12:33 – Budgeting that actually works

14:57 – The underrated magic of sinking funds

21:17 – Impulse spending and the shame spiral

23:07 – Yep, sinking funds are that good

26:00 – Feeling overwhelmed? Start here

27:48 – Fear won’t disappear, act anyway

31:53 – Big love and see you next time 💛

Where To Find Laura:

💻 Financielle Website

📱 Financielle App (App Store) / Financielle App (Play Store)

📸 Instagram

🎙️ The Vault Podcast (YouTube)

🎙️ The Vault Podcast (Apple Podcasts)

🎙️ The Vault Podcast (Spotify)

☕️ Help The Podcast & Buy Me A Coffee

📸 Instagram

⏰ TikTok

📧 Email: thefinancehan@gmail.com

Debt is everywhere. From the moment we’re old enough to get student loans, store cards, or Buy Now Pay Later at the checkout, it is enticing you in. In this episode of The Finance Han Podcast, we’re talking about how to not get sucked in. From sneaky spending traps to the pressure of keeping up with your mates, we’ll chat through the everyday choices that can quietly snowball into debt, and how to stop that from happening. We’ll also cover how to stay debt-free once you’ve done the hard work of clearing it. Spoiler: it’s less about sacrifice and more about being one step ahead.

💡 Key Takeaways

• Debt is literally everywhere, especially for 18 to 30-somethings just trying to stay afloat.
• Sinking funds are future-you’s best friend.
• Uni isn’t the only way to a good job (or a good life).
• Apprenticeships? Highly underrated.
• “Keeping up” with friends can cost you more than you think.
• Credit cards are tempting little devils - handle with care!
• Your emergency fund = your financial safety net.
• Budgeting isn’t boring, it’s freeing.
• Choose memories over ‘stuff’.
• Delayed gratification is a money superpower.

⏱️ Chapter Breakdown

• 00:00 – Welcome back + why debt is the struggle right now
• 01:16 – How debt starts (and why it’s not your fault)
• 04:03 – Meet your new fave: sinking funds
• 08:36 – Is uni really worth the price tag?
• 12:40 – What no one told you about apprenticeships
• 16:47 – Doing life your way is cooler
• 22:21 – Credit cards: the red flag in your wallet
• 26:02 – The emergency fund that helps you sleep at night
• 29:21 – Budgeting basics (minus the boring bits)
• 39:39 – Final thoughts + disclaimer

☕️ Help The Podcast & Buy Me A Coffee

📸 Instagram

⏰ TikTok

📧 Email: thefinancehan@gmail.com

In this episode of The Finance Han Podcast, I’m joined by Sammie Ellard-King and we’re talking about the financial truth bomb nobody wants to hear: most people won’t ever be able to afford to stop working. Brutal, but fixable.

Sammie Ellard-King is a legend in the personal finance space. He's 220k+ followers deep, host of The Money Gains Podcast, and British Banking Awards’ Content Creator of the Year — safe to say, he knows what he's on about.

We break down why saving alone won’t cut it, how to actually prep for retirement without killing your vibe, and the mindset shifts you need now, not later.

Whether you’re spending like it's Hot Girl Summer, or just trying to survive until payday, this episode is your reminder: Hot Girl Retirement is a vibe too, and future you will seriously thank you.

Here’s What We Cover:

• The harsh reality of the average UK retirement pot (spoiler: it’s terrifying).
• Why saving money alone won’t set you (financially) free and what you should be doing instead.
• How to stop working for forever and ever and ever (without needing a six-figure salary).
• The mindset shifts that can change your whole financial future.
• How to balance living your life now while still taking care of future you.
• Why investing isn’t as complicated or as scary as it’s made out to be.

Where To Find Sammie:

💻 Up The Gains Website

🎥 YouTube

📸 Instagram

🎙️ The Money Gains Podcast (Spotify)

🎙️ The Money Gains Podcast (Apple Podcasts)

☕️ Help The Podcast & Buy Me A Coffee

📸 Instagram

⏰ TikTok

📧 Email: thefinancehan@gmail.com