If you can't save $10 a day long term, why not start with $3! There are so many expenses. Frankly paying off the mortgage is a good one because eventually, you will finish, then you can start saving for retirement and even consider selling and downsizing later. I live somewhere with goood transportation into work and I pay a premium for this. I won't need it if I stop working and I can use the difference to suppliment my income.