So an Update from all the feedback, Thank you for all the advise - I ended up Killing my personal Loan, Settled it with my 200K EF I had stashed up in Absa, And moved the left over 90K to my Flexi Reserve in the home lone bond, I am living in* So have about 119K Stashed as flexi , emergency fund in the Bond now, Follow up post will come with where I will be investing my free'd up money monthly.
\*Here is a cheers to financial Education and freedom!*
\*Here is a cheers to financial Education and freedom!*