I think with the economic forecast ahead i would invest in things that would help eliminate future debt. hard to explain but if your mortgage payment didn't change and your budget is set to handle it why pay it down unless you could eliminate it? Maybe an interest bearing checking account, that way if you are set up now on a good budget, the money would earn interest and you could still use it. i faced a similar situation a couple of years ago. we had no credit card debt (don't even have one) so we invested in a chicken coop and put in a large garden. we cut our grocery bill down and i think i save more than it would earn in a cd (maybe not but i eat real good). Now i want to figure out how to lower my electrical bill. The money won't last forever but i figured it would stretch further if i could lower bills. Just my thoughts, i'm sure other people would think i was nuts.
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