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.