How does everyone balance several different money goals? I have been pretty consistent with my 457b contributions of 10% and I obviously have debt that I would like to retire as soon as possible, but I also have several short-term goals that are shooting the long-term goals in the foot. First off, I started a 52 week challenge where I put different amounts of money in each week into a separate savings account. It is supposed to keep you motivated to keep up a steady habit of saving little amounts every week. I have used the Yahtzee method of picking whatever value from $1-$52 to cross off of the list as I save. I have done well on this goal so far and I like the consistency it gives me. The next goal is my college tuition for summer. I DO NOT want any more student loans so I need to save about $185 every week to make this plausible (I could cut back on the course load, but that would extend the overall time frame for graduation). Finally, my aunt has a timeshare that she will let us use for a week of vacation and we need spending money while we are there all week. I thought that $1000 for our family of 6 would be doable and conservative (comes out to about $45 a week to save). It is not a necessity, but we have not vacationed since I started this debt repayment plan so I would really really REALLY love to get away for a while to relax (even if DH invited the in-laws...lol). This all leaves me with very little extra to throw at the debt :(

So share some tips that you have used. Do you shoot for one goal at a time? Do you divy it up between goals? It just doesn't seem like there is enough money to go around...