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Some useful suggestions by other posters - make the most of what you've got. And, unless you do have a separate investment you've been paying into regulary to pay off your mortgage, and it's doing OK, then it would be helpful to get paying off some of the capital on the mortgage so you're building up more equity towards future move. And you could do this anyway. Your income suggests that that may be possible. And you might want to look on other boards on here to see where you can start saving money on day to day expenditure and other household bills - every little helps. All the best.