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Pay an additional $50 per month towards your mortgage. Benefit: Fifty dollars might not seem like enough to make a difference on the term of your loan, but that small amount will save you over $21,000 in interest and will take over 2 years off the end of your loan. Twenty-eight years from now, you’ll be happy to pay off your loan that much.

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The interest rate on your mortgage can mean the difference between comfortably affording your monthly payments and struggling to make ends meet. A low rate could help you save tens of thousands of.