Overview
- Harriet, who went public on Saturday, June 27, 2026, says she is now debt-free after using a strict £1 budgeting rule and has shared the method on TikTok as @thefreedomfinancecoach.
- The core rule is zero-based budgeting: give every pound a job so income first covers necessities such as food, housing and utilities before any money goes to debt or extras.
- She describes making ‘ruthless cutbacks’ such as cancelling streaming, takeaways and non-essentials while keeping a small emergency buffer of around £100 to avoid setbacks.
- Local outlets picked up her TikTok posts and viewers have responded with gratitude and anecdotal reports of applying the method themselves.
- Personal finance experts consider zero-based budgeting a standard tool but note Harriet’s £120,000 payoff is self-reported, lacks independent verification, and results will vary by income, debts and timescale.