I am always a magnet for learning new angles, please explain what you mean by "That said several of the thing things you mentioned will have little or no practical impact to finances" I'm thinking that it will be nice to be 100% debt free minus usual recurring expenses such as utilities and food. It should reduce some stress I hope. Thanks for the input though I really appreciate it.
Well, there are a few things. Skipping breakfast likely has a negative effect on your savings rate because ultimately your caloric intake doesn't change and breakfast tends to be the cheapest of all the meals to eat. As another mentioned, keeping your wife's change doesn't generate value, it just shifts it from one person to another (e.g. it's zero sum). Selling things you no longer need provides cash now, but these are (presumably) things that you previously purchased. The true savings comes from not buying things you don't need in the first place. Eating dandelion greens with little caloric value pales when compared to gardening higher-value foods (high value both in terms of purchase price and caloric content)
Besides that, there's the time cost for doing things like checking vending machines for spare change and returning 'massive' amounts of bottles for refunds. The time spent is unlikely to result in a reasonable hourly rate.
Finally I should note that many of us do not want the "banksters' out of our lives, particularly with today's rates. Inflation hedge, better return on investment, more cash on hand etc. are important factors that paying off a mortgage may actually hurt rather than help. To each their own.
