Not Op, but I was in a very similar situation (decent pay, old house, old car, not many fancy purchases). While many people here will borrow a lot and pay the minimum on their mortgage, I paid down my mortgage completely. (and otherwise spent money on travel).

Ironically, this is bad financial advice. The last 15-20 years interest have been very low, and house prices have soared. It would make much more financial sense to borrow more and buy a nicer house. But I value the freedom I get from not having a mortgage. And I never borrowed to buy a car, as cars depreciate like rocks