Throw every penny at debt or save in small pots?

Sazzie23

My circumstances have recently changed, my former partner had access to credit so if the worst came to the worst, car blew up, house burnt down etc I could have access some emergency credit.

I'm now on the solo stint (and skint) and so don't have that cushion, this means I see my emergency fund as having to work much harder as credit is not possible for me. However if I'd got 'spare' money I'd be chucking it at debts.

Once my debts are,paid, I plan to keep saving until I have at least 6 months bills money and 12 months equivalent of what I earn as overtime/shift payments and then it will be holidays. I currently save pots, trying to get a months worth of fuel money in one pot, food money in another, birthday pot etc etc