Balancing finances

[LastTwoBraincellsFightingFor3rdPlace]

I’m in my late 20s and I’m claiming disability benefits (currently not well enough to work) and I’m struggling to juggle my finances.

I manage to save around £20-£30 into my Emergency Fund each month in a Cash ISA. I have around £650 in there at the moment. I wish I could save more, but it’s just not possible at the moment.

Since I’m not in employment anymore, I pay £10 into a SIPP each month and receiving my disability benefits means that my stamp for state pension is paid too (I’m not confident that state pension will exist by then, but it’s something.)

I also overpay £10 on my mortgage each month. This is something I’ve gotten into the habit of doing since buying my house two years ago.

Is there anything else I can do to improve my finances (but bear in mind that I’m not able to work for the foreseeable.) I’ve been thinking whether I should stop overpaying the £10 on the mortgage and save the extra £10 per month in my emergency fund instead.

I think stick with the over pay on mortgage as by the sounds of it you are managing to save.. be it a little or a lot. I'm currently working and with everything rising I'm constantly in my overdraft every month 😬 it might not seem like your doing great at balancing finances but little and often goes a long way. It's not very helpful advice but I think more of a you must be doing something right 😁 so I'd stick with it x

Thank you @FootballMam2025