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Thank you all for the suggestions, that's helped me a lot! I had thought about putting a sum of it away for the kids (for college fees, etc in the future), but yes I can see the benefit of the suggestions you've all mentioned instead. The car loan yes, ill plan to clear that off if I can do so...

I've recently had a windfall of around 20k, a huge amount of money in my eyes, as I normally live month-to-month, and struggle to afford a mortgage at times that consumes around 40% of my salary. Im trying to figure out the best approach here on what to do with the money and make life easier...

Thanks Brendan, In response to your questions - the mortgage is with Ulster Bank - I didn't think there was any scope for adjusting the 4.5% rate while the mortgage is in arrears and we are working on a restructure package. Mortgage status is currently: Outstanding mortgage 200k House value...

Thanks for the reply and sorry about the delay responding. Sorry for the misunderstanding - I am not the primary carer - but we try deal with the kids on a 50/50 basis. The kids are with their mother a bit more than with me but they stay with me on average 3-4 nights every week. Yes i've...

Thanks for the reply - yes i was married and the mortgage is in both our names. No maintenance order for the children - we try deal with the costs 50 / 50. Yes - I've thought about renting, I could look at renting a room but just so cautious with the kids so young and having someone in the...

Hello all, I took out a mortgage in 2006 with my ex partner. We have 3 kids together. We unfortunately split up and she left the house about 2 years ago. I stayed on in the house – kept up mortgage payments on my own as much as I could but have been seriously struggling to meet the repayments...