Use peer-to-peer lending to eliminate credit card debt. Apply the savings to the principle payment of home.
If 'WalkableHome' was purchased, exercise your option and apply the $12,000 to $17,000 annual benefit to your principle payment, boost you retirement account or college savings.
Stop buying food and apply to principle payment. This is a very short term strategy.
Best of success to you.
You can use a mortgage calculator to determine how much quicker you can pay off a mortgage by adding a fixed amount to each mortgage payment.
For instance, if you had a $100k mortgage @ 4% interest your monthly payment of principle and interest would be $477.42. If you increased your monthly payment to $500.95 your house would be paid off in 329 months instead of 360 months. You would save the interest on 31 months payments and you would have your house paid off about 2 1/2 years sooner. These figures are based on a 30 year mortgage. If you were able to pay $524.79 per month the loan would be paid off in 303 months, or almost 5 years sooner.
For every few extra dollars you can pay toward the mortgage each month, you will lessen the duration of the mortgage and save yourself thousand of dollars in interest.
I hope you find this helpful. If I can be of further service please contact me directly.