I don't normally do new years resolutions. I typically keep a long list goals in my head; I'm sure some of them fall out every once in a while. But I figure it is not bad to write some of these goals down and put a 12 month deadline on them. Writing down, publicly stating and setting deadlines for goals is like some kind of weird magic sauce that makes you actually want to get shit done. Pay mortgage down to $110k Having a 30 year mortgage with a 0% down payment we essentially started out behind and only making slightly more than the minimum monthly payment has not given us much progress. Even with adding on to our house we are still under water. As it sits now the mortgage is at about $129,700. I'd like to get that number down to $110,000 by the end of the year. That will set us up nicely to be able to refinance and start saving for another house. According to my lender if we keep making the normal payment I will be at $127,310.87 (see not much progre