Don't be tempted to put money into a savings scheme while you have a debt. There's no point. You won't receive as much interest from the savings as you will pay on an outstanding debt.
So why don't financial advisers tell you that? It's simple. They make their money from selling you stuff, not from telling you to pay off the debt.
Next time you want to buy something, use your savings, not a loan. You'll be better off in the long term"
November 2002