Last year I purchased your book about starting new in 2010 and used the info to organize our finances! It worked great! Yesterday, I purchased your book,Debt Free for Life, and discovered a mistake that we were making with paying off our mortgage.We thought we had been doing things correctly. We had been sending in biweekly payments with extra money for each payment. As soon as I read that it was possible for the money not to be going into my account properly, I quickly checked my statement. You were absolutely right. So, I promptly called my mortgage company and we have established an automatic bi-weekly payment plan with an extra $98 per payment. Now, I have the peace of mind that we will be able to pay off our mortgage even earlier. Thanks for making this information available.