That's a valid point! As soon as you're out of debt an emergency fund should be the very next step - I'll create a video on this, thanks!

That would be your next step, no point saving an emergency fund while paying interest on debts.

But if your putting all your money to paying off your debt and you have an Emergancy, where are you meant to get your money from to pay for the emergency say your boiler goes in the middle of winter?

Hey Gary, it depends on your situation and availability of credit. If you think you could get access to credit easily, particularly 0% offers, then the wise thing to do is to pay off the interest incurring debt asap. But if your credit score is down the drain and you don't think you could borrow if an emergency comes up, then yes, as you say, it make sense to have an emergency fund.