Ive only got my mortgage as a major out going, was thinking about paying it off, but my mortgage is 3% so the money makes more in the bank, all 3 cars are paid for, nothing going out there, just took a staff job with a massive pay rise and they pay the 15k a year medical insurance, so I save that too, Would like to change my car but not paying 4.5% interest I will wait until it drops to 0% again and it will