From Klarna to Control: How I Took Back My Money and Started Saving for a Home

1. Can you share where you are on your money journey?

Money was always a sore topic for me. It seemed to leave my bank account faster than it ever arrived. I didn’t have a budget and spent money based on what I felt was available (yes, I avoided checking my bank balance). I relied on Klarna, PayPal, or the Bank of Mum and Dad for pretty much everything. I knew I wanted to save for a house, but I couldn’t even work out how to pay for a dress without using Klarna.

Since finding Financielle, though, I can finally tell a different story. Financielle helped me understand money and made financial planning feel far less intimidating and even fun. What really keeps me motivated is the podcast, which brings money to the front of my mind regularly and helps keep me on track.

2. How did you find yourself in this position?

I’m still technically in the Survive stage, but I’ve learned so much. I’m nearly debt-free now  I just have my car left, which I bought on hire purchase for £157 a month. I also have a small emergency fund and some money set aside towards buying a house, which is something I never thought I’d be able to say.

3. What kept you motivated as you were navigating financial uncertainty?

I learned that motivation won’t always be there, so I had to build discipline instead and turn good habits into routines. What motivates me most is knowing that this work will help me live the life I want in the future.

That said, I do plan treats along the way to keep things sustainable things like a cheap trip, a matcha, or a new book. Balance really matters.

4. What advice would you give to others trying to take back control of their money?

My biggest tip is to do your budget, see what’s left, and give every pound a job. When you get paid, treat all of your money like bills move it into the right places as soon as it hits your account.

At the same time, don’t leave yourself too short, because otherwise you’ll just end up moving money back and forth. Remember that this is a journey. There will be highs and lows, and sometimes life will happen  but don’t let that knock you off course.

5. What are your financial goals going into 2026?

By 2026, I want to have my car fully paid off 💪 and a solid emergency fund with two months’ salary saved. I’m also in a position where I need to leave my current living arrangement.

Ideally, I’d love to be ready to buy a home. If I’m not quite there yet, that’s okay too. My main goal is to have a strong start on a house deposit that I can continue building throughout this year and next.

If you’re looking to save a house deposit, check out this helpful article here