Single 47 no dependents
Mortgage outstanding 35k (variable rate but been over paying from the get go 2012. Mortgage term 20 years) . Recalculated in 2019 so current interest rate of 4.05% - repayment 875.53 (including the 400 over payment from the get go)
Savings 5k (rainy day fund) – saving 500 a month in deposit account
Home loan 7k ( plan to pay off by year end).
Work in higher education - Joint Pension Scheme since 2004
No other debts
I am wondering should I fix mortgage or just keep over paying?
What next ?- I know a public service pension is great but that feels like all eggs are in the one basket.