Have you ever heard of the old saying that just one extra payment a year could safe you money on your mortgage, but did you know that when you make that extra payment is also equally as important. The earlier you pay down in the year, the less interest you accumulate throughout the year. But if your like me it’s hard to commit to an entire mortgage payment a year, so I use the round up method for example if your mortgage payment is $850.00 try paying $900.00 or better yet $1,000. Rounding up is the easiest way for me and best of all it’s unnoticeable. Over time, that extra $100 each month is shaving months and eventually years off my mortgage. If the only thing you ever do is round up, you’re still going to be saving money and time off your mortgage. For more simple tips.