David, I was very much convinced by your article of ther five steps for paying early your mortgage. Fantastic, indeed!
My story is simple. Few practices.
#1. I always used credit to pay my everyday expenses, but I payed every single penny at the end of the month to prevent interest form the card companies. I used the cash money to create an IRA or to build a personal pensión fund.
#2. I never spent monthly more than what I was earning. If I wanted to purchase an extraordinary furniture or car, prior to expending it, I will save such money and payed it totally at the end of the monthly cicle.
#3. In several occasions, I have borowed substantial cuantities of cash at very attractive interest and terms. I used such money to reinvest i our second new home.
#4. I travel extensively with my family but always doing it in an intelligent manner. Such as staying in moderate hotels with special deals, traveling off the high season to save money on the air line tickets, eating at restaurants with special menues such as “special of the day,” and visiting historic places with special discounts or on holidays on which there were no entrance fees.
#5. Taking my own lunch to work three days a week and drinking a coffee or soda in moderate places instead of a luxurious ones.
#6. Purchasing cloths or shoes for the entire family when there were specials in the stores, disregarding sophisticated marks.
My advise consist of three words: be intelligently disciplined!