When it comes to getting out of debt, the number one thing you need to do is learn to control your spending. Contrary to what many people say, the best way to do this is to use cash. Creating a Cash Envelope System is one of the best budgeting techniques you can ever learn.
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The best way to pay off your house early — besides inheriting a lot of money — is to pay extra on your mortgage each month. If you can pay even 10% more each month, you will cut seven years and $107,000 in interest off of a $300,000 mortgage. If you can afford to pay more than 10%, you should do it.