What would you do with a spare £100-300 a month.

[PeepsAndSheeps]

It has only been very recently that I have been in any sort of position to have spare money.

I have a small pension of about £5k, but I have doubled my contributions with work and am throwing any spare money I can at it.

I have opened a stocks and shares ISA and a LISA but so far they have very little in them as I have been prioritising the pension.
We have a few £k set aside for emergencies.

I am 32 and we have a mortgage with 50 LTV. We can afford the current payments and the payments if they increased to 5%, but probably not if they went to 10% +. We are just at the start of a 10 year fixed rate. Because of this I'm tempted to try to get the mortgage paid off in those 10 years, but it would mean very little money invested anywhere else apart from my work contributions to my pension.

So do I put the spare money into LISA, stocks and shares ISA, my pension or overpaying on the mortgage?

Some to all. You cannot predict the future, so you don't know if you will need some money soon, or if you won't access it until age 60, or at retirement age.

A few £k for emergencies is great. I would add more to that as well as adding to ISA, LISA, Pension if the emergency fund could only cover a few months of no income. You need to decide how much of a cushion you want. If mortgage interest rates start to pick up, then you may want to increase the cushion size so you have money available. Cash though devalues due to inflation, so it is always a tricky thing to decide how much to have available and how much to have in investments.

i would say 6 months basic living costs ie enough to survive pay bills food transpoport mortgage but no frills, also a sinking fund for things you know will happen ie your car will need new tyres, some maintenance etc, a some point you will need tio replace washing machine freezer hoover your house will need painted the boiler maintained, some people start dsaving for the next car as soon as they purchase current one
don't save everything in pension or under a child's name as it is unobtainable in an energency or say a situation where because of health issues you ha