We do not want to move house. Early 30s, 2 DC in nursery, DD due to start school is Sept, DS gets 30 free hours in Sept. currently pay around £1k/month for childcare. I work 4 days and earn around 30k. DH works FT and earns around 45k plus bonuses.
We have a mortgage with 32 years remaining and a balance of around 225k. Nothing we particularly want to spend on, although we may want to upgrade one of the cars soon and in around 2/3 years thinking of a Disney trip.
I have a civil service pension, although have only been there for around 3 months. DH has a great DB pension through work. Both putting in above the minimum.
What to do with the money? Mortgage? Investments? What would you do in our situation.