I can't really calculate how much you'd save on your mortgage by paying more each month because you didn't list the length of your mortgage note. You can use the calculator here:
http://www.decisionaide.com/mpcalculators/ExtraPaymentsCalculator/ExtraPayments1.asp
to figure how much interest you'd save.
Based on what you did list I'd recommend just paying your scheduled payment on the home and put everything you can on your credit card and get that paid off first. The interst rate on that is likely to be much higher than the mortgage is.
Other than that, you are 46, single and presumably, don't have any kids to worry about (since you don't mention any).
I'd pay off the credit card, build up a savings account (or go with short term CDs) as an enmergency account until it has enough for you to live off of for 4 to 6 months (in case you lose your job or have some major emergency). Then I'd max out the 401K contributions followed by the IRA.
After all of that I'd take any "extra" income and put it towards the mortgage. A home is usually "good debt" since it is usually worth more than what you owe and tends to appreciate fairly well over time.
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