Make one extra mortgage payment each year
Switch to biweekly payments if your lender allows it
Round up each monthly payment to the nearest hundred
Apply all windfalls to principal
Refinance to a shorter loan term if the rate makes sense
Make lump-sum principal payments whenever possible
Cut discretionary spending and redirect the savings to the mortgage
Use tax refunds, bonuses, and commissions for extra principal payments
Increase your monthly payment whenever your income rises
Avoid taking on new debt that reduces your cash flow
Set up automatic extra principal payments
Rent out a room or part of the property and use the income for the mortgage
Sell unused assets and put the proceeds toward principal
Recast the mortgage if your lender offers it
Track payoff progress monthly to stay consistent