1. Get the mortgage down to $120K.
I will put $2500 a month in here before putting any money into the other goals.

2. Put $2000 into the Car Fund.
This will take us to $15K Car Fund with a bit extra for car service /repair for next year.
I’m hoping our car will last another few years. Now that DH don’t drive to work anymore we haven’t needed much work on it (knock on wood), apart from fuel of course.

3. Put $5000 into the Holiday Fund.
I don’t know if this is enough but it will be close enough to what we will need for our next vacation.

4. Put $1500 into the Xmas/Anniversary Fund.
The same amount as this year, but I am hoping to spend less on our anniversary and more toward Christmas.

5. Put $6000 into the Household Fund.
The main thing we will need next year is a new oven and windows. I don’t know if this will be enough.

6. Put $3000 into the EF.
This will be worth a very tight 6 months living expenses.

It’s funny how in the past I’ve always just had the extra mortgage payment as the last goal. It was always whatever is leftover will go towards prepaying a bit to the mortgage but next year mortgage payment will be number one goal everything else will just have to wait.