would be to calculate 20% of my average income, and have it automatically deposited into my savings account. Of course, with the property taxes having just arrived, the homeowner’s insurance due next month, and a new vehicle’s insurance due (hubby bought a used 4×4 pickup)this may wait until next year. Oh, and the lowest estimate to remove a tree and trim the other trees in front of the house is $1200.Looks like I’m starting this next year.