Hey jayne - I wouldn't reduce the payments though! - that way paying off the mortgage even earlier - hoping to clear it in the next couple of years and have the money then to splurge, or maybe give up work and do something part time while the kids are stil young enough to want me around!
i'd be a good girl and pay off some of the debts i accrued while at uni. this amount of money would make me around �200 a month better off! that would make me happy...is someone offering free money, then?