I don't know why I haven't thought of this before because it makes so much sense...
Our current goal is to maximize our allowable yearly mortgage prepayments. The reason we have no fun money is because I have a different amount every pay cheque. Then the light bulb went on. Why don't I just divide that total amount by 12 and do it that way?
I was so caught up with the micro part of things, I lost sight of the big picture. So the total amount will get done, on time, with no heroics or sacrifice and it actually frees up some cash flow for some fun! Win - Win.
In the US, it is common for fixed-rate mortgages to have NO limit on prepayments. What would you do in that case?
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