We’ve decided to kill the mortgage whilst interest rates are low. I’m 39 and have 8 years to go on the mortgage, we only took it out 5 years ago. No credit cards, no store cards etc etc… we would love a new kitchen, a new bike etc, but we’ve agreed to save for it and if we cant afford it, wait until we can.
I have friends on the other hand who have £300k mortgages, a car on the drip, massive holidays and i know for fact they cannot afford it. No savings, no real pension conributions. A car crash waiting to happen, but there’s bloody loads out there like that. It would send me to an early grave personally!