I'm looking for opinions on our financial situation please. Husband (39 years) salary of 82k with health insurance paid from company for him and pension. Myself (40 years) Long term serious illness so haven't worked for a long time and have taken on role of stay at home mum since we have one child. We have a tracker mortgage. 18 years left and 138k on it. Savings of 10k From month to month we would generally save a few hundred and the rest goes on mortgage, health insurance for me and my son, gym membership, other activities for son, esb, heating, car expenses, food, medical -gp. Most months we have a few hundred to save but the odd month we have nothing. Our home is quite small. I would like to move to a bungalow with more space at some stage as I think would be easier with my health long term. Would losing tracker be a huge risk ? Our current home is probably worth around 200k. It is in an area that is popular with good facilities nearby which suits me right now but space is an issue and if I loose ability due to my illness it may be very difficult to manoeuvre about in my home. Doing the maths would it be possible to move without huge debt and also I'd like general opinions on how we could make any other improvements financially please.