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yoshy
seager
Well done for getting on top of it, not easy. Does that mean you have already paid it off, or have a plan to do so?
First rule of saving is do things in this order:
No point doing any of 2 before you have done all of 1 (mortgage and possibly student loans are the only exceptions) as it will be more expensive.
Don't know anything about Plum but somebody had to spend time and money to develop it, so they will want to earn a return on that investment, and there is only one place that return can come from...
Index tracker fund with eg Vanguard is the easy option that beats most others most of the time.