After some advice/thoughts on what I should do with my finances. Current situation, investments all below:
• Age 31
• Salary £50k, max pension contribution (6% me, 10% employer)
• Mortgage remaining £130k, property value £170/180k. 1.75%, ~21 years remaining, making £50 overpayments per month
• Student loan £16k remaining. 1.1%. 7 years to pay off at my current rate
• Car £9k, 0% (family loan), it's worth around £14k
• £2k in a S&S isa, adding £200 a month
• £500 normal isa, adding £50 a month
• £12k in crypto, not selling before anyone mentions this, also not investing any more
• After all outgoings I have ~£500 a month spare and my girlfriend will contribute to bills sometimes but I'm excluding this
Any suggestions? I am considering just sticking with my current strategy but always interested to learn more. I'll steadily pay off the car (family obligation which is fine and agreed) then (and I know it is dumb) pay off my student loan to end that pool of debt sooner.