Thanks Eluned - I transfered just over half from the emergency fund into the mortgage, this way I am covering my bases. I love internet banking!

Fionas - I've bought myself a meal planner pad from kikki.K so am going to get stuck right into that in the new year. Have an extra freezer & slow cooker so can fill that up too.

I'm going to have to set up the set amount each month for DH & I. We've been talking about it for ages. How much do people normally allocate themselves?