Mortgage with Money for Renovations

I' m also storing 150 in a stock and ISA stock for a fixed annuity pension/augthers wedding/career break/car and other lifetime mishaps.

I' m also saving 240 pounds in a stakeholders annuity for my wife and me. What I'm not saving is home renovations i.e. rewiring, showers, new kitchen & lounge etc... I am planning to retire twice every 5 years between 10k & 20k each and every 20k to pay for the renovations while still paying the mortgage over.

This is the most efficient way to get paid for the home improvements or should I not be overpaying the mortgage and saving this money. REVIEW This comments has been posted. I also regularly make separate saving with my ISA in an mutual fund. Are you sure it's safer to invest all my life saving with one mutual fund, or should I distribute the risks between different mutuals?

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