Sometimes it isn’t the mortgage payment itself holding you back, it’s how you’re viewing the payment. You can actually pay off your mortgage faster if you change your point of view and approach your monthly payments differently.
For example, did you know that if you simply round up your payments each month, you can pay it off faster. Right now it may seem like you can’t pay any more than what you’re paying right now, but 9 times out of 10, you can.
If you were required to make that extra payment anyway, you’d make it happen, so why not make it happen when you don’t have to? You end up saving a lot more, and paying your mortgage off faster in the end. All you have to do is round up to the nearest hundred. So, if your payment is $900 per month, simply pay $1000. In 9 months you will have already made 13 mortgage payments instead of the usual 12.