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You’ve got big dreams, and all of those dreams require that you aren’t having to stress about making a mortgage payment each month. Whether you’re looking to free up cash flow for your retirement years or stash as much as you can into savings, you can take small steps today that will make a big difference toward paying off your mortgage early.

By paying off your mortgage early, you won’t just increase your available funds each month—you’ll also reduce the amount of interest you pay over the life of the loan. That’s more money you’ll have later down the line to put toward those big dreams.

Whatever your reasons for wanting to rid yourself of your home loan sooner, use the five tips below to put your payments on a faster track

Cut Your Expenses

When it comes to finding extra money to put toward your mortgage, expenses are a smart place to start. By reducing your expenses, you just might find some wiggle room in your monthly budget that can go toward paying down your mortgage faster.

For example, paying an extra $100 each month could help you pay off your mortgage four years early and save you $23,000 in interest, assuming you took out a 30-year $250,000 loan at 3.5% APR. Just make sure your lender knows you want the extra payment to go toward the loan principal.

When reviewing your expenses for places to save, start with your debit and credit card expenditures for impulse purchases. If you can forgo one fancy coffee a week, that’s an extra $20 per month toward your mortgage. One less night of takeout could mean anywhere from $60 to $160 more for your mortgage.

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When cutting expenses, however, be sure to not stretch yourself too thin. While putting some extra bucks toward your mortgage payoff can feel great, you don’t want to drain your life of all its little luxuries. It might take a few months, but, through trial and error, you can find a healthy balance of cutting expenses and still enjoying life.