Thanks lavergne ..it is to me.....

Holyvshit .. decades???

@Bigwavedave Mortgage payments include two parts , the principal and the interest . In the beginning , you're paying almost all interest and very little principal . Think of it like a seesaw . You could be paying as little as ten cents towards principal and a thousand dollars towards interest . So if your next payment would be eleven cents towards principal , it isn't hard to simply add that eleven cents to this month's payment . So you pay your thousand dollar interest payment plus this month's ten cents principal payment plus next month's eleven cents principal payment . Instead of paying $1000.10 , you pay $1000.21. Do this , paying the succeeding month's principal in addition to your designated monthly payment , and you can cut the number of years in half .