I am celibrating my 1 year anniversary on my homestead. I am amazed and thrilled by how much I've accomplished. And still in shock over my start-up costs (fences, fruit trees, outbuildings, etc.). Most of it was a "once and done " deal. So this next year, my plans are to put as much money as possible on my mortgage. I went with 15 years, and have been paying extra for the past couple of months. An additional $80 a month will shave 5 years off the payments. I'm going to hang a budget/chart on the wall, made from a large sheet of heavy white paper, and set it up for 12 months. I'll include all the categories I can think of. I'm very visual, so I know that this will work for me. I think that I'll aim for quarterly intervals, and pay an additional chunk of cash on the mortgage each time. There are areas that are pretty hard to trim, such as gasoline and car insurance. Areas such as food and clothing will be much easier. I'm pretty good about attaining a goal once I figure out what I'm trying to do. I'm worried about the economy, and I don't want to work until I drop dead, so I WILL get this place paid off quick. I'd be very interested in hearing about your goals for the upcoming year.