Two entries in one day...obviously a slow work day

So here are my 2006 financial goals:
1) Stick to my budget, including using an envelope system for ad-hoc expenses.
2) Increase my net worth by 25%. Not as hard as it sounds, b/c hubby and I both max our 401(k)s, plus normal debt reduction. Hopefully the market won't tank...
3) Pay off home-equity line by year-end. Current balance is $23,819. Plan is to contribute $1000/month, plus as much of hubby's bonus money and other money as possible.
4) Participate in the 2006 challenge. Turn my $20 into at least $1000 by taking advantage of bank-opening offers and continuing to scour used book stores for resales, along with whatever else I can think of.

A quirky sub-goal: I currently have 19 stamps in my pocketbook, and want to make them last until June 30, 2006. I really hate buying stamps!

In addition, for each line item in my budget, I've looked at 2004 and 2005 totals, and came up with a goal for 2006 (which is how I came up with my 2006 budget). I'll list a few of these each day, along with some ideas I need to follow-up on to help me meet them.

Gas: $235/mo ($248/mo in 2004, $231 in 2005). This will be up slightly, but given the higher prices, it seems like a reasonable target. I've already set my programmable thermostats, and I'm going to try to reduce the amount of laundry I do, and the number of times I run the dishwasher. Replacing the front door would be a big help, too, considering you can see daylight through the big crack, so I'll need to talk to hubby about that...

Electric: $131/mo ($103 in 2004, $149 in 2005). Not sure what happened this past year. I need to look into shutting off the extra refrigerator after the holidays. (We have an extra freezer, too, but I'm not sure if I'll be in a position to shut this off, too). I also need to make sure the lights are off when not in use and replace burnt bulbs with fluorescents. I'm curious to unplug a bunch of stuff we don't use regularly to see if that really does make a difference.

Water: $22.50/mo ($25 in 2004, $24 in 2005). This isn't a huge bill, so I don't usually stress about it. On the one hand, limiting the dishwasher and laundry will help. On the other hand, I don't think hubby watered our lawn once this summer, so I'm sure that will need to increase next year. We'll see how this goes.

That's it for now...I'll add more next time.