You should not be contributing to a pension while you are on the 20% tax band. Save the money outside a pension scheme.
Brendan
Thanks for all the replies. Well I paid off the mortgage and it feels great!
I am going to book a weekend away for the 4 of us and get a few small things done to the house. I realise now that my kids won't remember the mortgage payments but will remember a weekend away/decent holiday next year!
Next year we are going to build up our savings again and then look at putting some into a pension pot or locking an amount away every month that is not easy to touch.
Thanks again.
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