UK Mom's Unique Debt Strategy: Prioritize Saving, Build Credit

A UK mother, Melissa, recently shared her unique approach to managing debt on TikTok. Instead of focusing solely on debt repayment, Melissa prioritizes saving, even while still carrying debt. "I was always under the impression everybody has debt," she explains, describing a past point where she was £3183 in debt. Now, with a balance transfer that avoids interest for 27 months, she's focused on paying triple the minimum payment each month. This strategy, she says, helps build her credit score while ensuring she has savings for emergencies. Melissa's approach isn't universally applicable, but it highlights the diverse ways individuals manage finances. Her video's popularity suggests a widespread interest in alternative debt management strategies.