I would keep putting in money to an ef and other savings.
You have to get where you do not need to ever need a
second mortgage again.
Also: priority should always be to pay down a secured debt -
your second mortgage has the security of your home - meaning
you are out of it if you cannot pay.
Maybe a stricter spending plan - having that much money coming
in must make for spending habits that might be a bit less disciplined.
|