Debt hack
Switch to biweekly mortgage payments
26 half-payments per year equals 13 full payments—one extra payment without feeling it.
Illustration
Monthly
£900 × 12 = £10,800
Biweekly
£450 × 26 = £11,700
That extra £900 per year attacks principal directly.
1. Confirm with your lender
Ensure additional payments go toward principal and no fees are involved.
2. Align with pay schedule
If you’re paid biweekly, this method syncs perfectly with your cash flow.
3. Track progress annually
Recalculate payoff date each year—you may shave 4–5 years off a 30-year term.