Which to tackle first

Unicorn_cottage

Sorry I meant to include in the above. See number 13 in this link:

https://www.moneysavingexpert.com/savings/help-to-buy-ISA/#tip13

PayItOff

So the woman from Co Op wasn't very clear about the partial repayments to be honest. She just made it sound like something nobody does. I'll phone again and see if it's any clearer. I know interest is accrued daily and charged 3 monthly which is a little odd. In the meantime I have made a small £20 overpayment to PostGrad 2 (it all adds up right?!)

I run my own business so as a self employed person there's no clear amount spare a month. I should be looking at a £200-300 increase in take home. I've also been very good at stashing my tax away and based on the running figure will likely not have to use that come January (i'd prefer to have it saved in case) so a bigger lump sum there too.

PayItOff

I've been looking into the LISA V H2B and honestly have no idea which is best. I'm never going to have the full 4k to save a year for the lisa but neither do I have the initial opening deposit for the h2b to make maximum effect. We'd be looking to buy within 5 years really (even that feels like forever) so it's a toss up. I think i'd prefer H2B on the basis that there's no penalty for withdrawal.