I was being swallowed by £120k debt but cleared it AND became mortgage free on a low income using the ‘pound job' method
Read on for some more tips about clearing your credit card debt
COUNT ON ME I was being swallowed by £120k debt but cleared it AND became mortgage free on a low income using the 'pound job' method
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ONCE drowning in £120,000 worth of debt, Harriet has completely transformed her life.
Not only has she paid it all off, but she's also become mortgage-free - all while living on a low income.
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Harriet revealed her top tips for getting out of big debts
Credit: TIKTOK
Now, through her TikTok account, 'thefreedomfinancecoach,' she's on a mission to help others achieve financial freedom by sharing practical and empowering advice."
'No one teaches you this when you're broke, but I will,' Harriet says in one of her videos.
'If you're barely making it through the month and your debt feels like it's swallowing you whole, this is for you.'
With a relatable and empowering approach, Harriet introduces herself as someone who has been through the same challenges and comes out the other side debt-free, including her home.
Her step-by-step advice is designed for those who feel overwhelmed by their finances, especially when every pound counts.
Harriet begins by urging people to prioritise survival: 'Food, shelter, electricity - these come first.
"Debt collectors will have to wait, especially if your essentials aren't covered.'
She then emphasises the importance of using a zero-based budget, where every pound is assigned a specific job.
Even for those earning between £800 and £1,000 a month, Harriet insists that budgeting down to the last penny gives greater control over finances.
Her tips don't shy away from tough decisions either. 'Cut ruthlessly,' she advises.
I'm in £15k worth of debt but STILL have TWO gardeners - people might judge me but they are an essential and a godsend
'No Netflix, no takeaways, no unnecessary subscriptions. You're in survival mode now - luxuries can wait until you're out of debt.'
Tracking every penny is another cornerstone of Harriet's strategy.
Whether it's through a notebook, an app, or her favourite method - the Cash Envelope system - she believes that awareness is key and not to 'bleed money' that you can't see.
Harriet also recommends creating a mini emergency fund, even if it's just £100.
It's the only way to change your situation. It's really hard but possible
TikTok comment
She warns that without it 'every emergency' like a flat tire 'can wipe out your entire budget.'
While she acknowledges that the journey to financial freedom isn't easy, Harriet reassures her audience that it's possible.
'I did it too,' she says with confidence.
Her video, which was shared on 9 June, has received 48.1k views and 51 comments.
The Zero Based Budget! Never heard of this before
TikTok comment
One person wrote: 'This is such great advice.
'It's the only way to change your situation. It's really hard but possible.'
A second commented: 'In £5k of debt and paying off slowly, also paying myself £25 a week with the goal to make £5k whilst paying off my £5k.'
And a third said: 'Thank you Queen, The Zero Based Budget! Never heard of this before.'
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