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Paying off your mortgage early may seem like a lofty goal, but there are small ways that can help reduce your mortgage. With very little effort, such seemingly minuscule changes could save you literally thousands of dollars in the long run. The following are (relatively) painless ways to begin reducing your principal mortgage, thus paying off the loan much quicker than you ever thought possible.

Pay More than the Minimum

If your mortgage is $1525 every month, round up and pay an even $1600. That extra $75, though it may seem small, will have a huge impact over time.

Pay More than Monthly

See if your lender offers a bi-weekly payment plan, where you make a payment every other week that equals exactly half of your normal payment. Since there are 52 weeks in a year, you will end up making 26 bi-weekly payments for a grand total of 13 full payments each year - one more than the traditional 12 monthly payments. Again, though it may seem small, that one extra monthly payment will really impact your interest rate.

You can also pay weekly; most lenders have an automatic payment option that you can set up to automatically deduct your account and pay your mortgage on the day of your choosing.

Put Extra Funds toward your Mortgage

Have a Christmas bonus from work or a tax refund coming in the mail? Send that extra money that is not accounted for in your budget straight to your mortgage. It is essentially "free" (a term which I use very loosely) money that you were not counting on to pay the bills; thus you can apply it towards your mortgage without affecting your finances while working to reduce your interest rate.

Keep Loose Change!

Throw all your lose change into a large jar and use it towards your mortgage each month. It may seem like it is more effort than it is worth but you will be surprised by how quickly all those pennies, nickels, and dimes add up. Case in point: my husband and I did this for exactly six months and were very pleasantly surprised to find all our collected change was nearly $400, money we would have otherwise disregarded.

Early Mortgage Payoff Plans

Let's face it: most of us are not fiscally responsible or disciplined enough to put all our extra money towards our mortgage every time we have some. Thankfully, there is a solution for that. Early mortgage payoff systems, such as the Money Merge Account, help homeowners pay off their mortgage early by using a software system. Most programs require an initial investment, but one that is well worth it since it will save so much in interest down the road.

Avoid Late Fees!

Pay your mortgage on time - it's as simple as that! Late fees are often very costly. For instance, a 5% penalty fee on a $1,500 payment would be $75 (many companies have a much higher penalty percent). Scheduling automatic payments is a great way to avoid paying late fees; inquire if your lender offers online payment. If you do not have online payment and run the risk of paying your mortgage late, send the payment via overnight express mail. Such mail services typically cost around $15, which is much less than the penalty fee that will be incurred if you do not get the payment in on time.

Double Nickels on the Dime $15.32 The story of the Minutemen has been told before "(Our Band Could Be Your Life, We Jam Econo), "but this book focuses purely on their music - the punk ethic and the remarkable, enduring songs that comprise this, their greatest achievement. Including extensive interviews with Mike Watt and many others close to and inspired by the band, this is a great tribute to a classic piece of American underground music. Included are extensive interviews with Mike Watt, the band's bass player, as well as interviews with several artists, musicians, studio owners, and fanzine writers who have been devoted followers of the band for years. >

Nickels $3.95 - Welcome Books are reviewed by reading consultants before publication. - Includes glossary and index. - Glossary words are bolded throughout the book for easy identification and the glossary includes a pronunciation guide to help emergent readers with these new words. Grades K-4 National Social Studies Standards - Production, Distribution, and Consumption: VII - Explain the role of money in everyday life - Describe influence on economic decisions

Nickels and Dimes $24.99 H. Armstrong Roberts Nickels and Dimes - Photographic Print

Nickels Soft Women's Fishbone Loafer $59.95 Soft suede upper - the perfect look for casual wear Patented Poron 2000 rubber soled contruction is durable and long lasting 1 1/2" heel; Made in China Fun and casual - it's great for home or away Soft leather uppers and flex bottom soles are great for everyday long lasting comfort

If Heartaches Were Nickels $6 If Heartaches Were Nickels - Joe Bonamassa

Nickels-Sortwell House $19.99 Betsy Brown Nickels-Sortwell House - Art Print

Pile of Assorted Nickels and Dimes $24.99 H. Armstrong Roberts Pile of Assorted Nickels and Dimes - Photographic Print

Nickels-Footwell House, Built in 1807 $79.99 Nickels-Footwell House, Built in 1807 - Premium Photographic Print

2012 U.S. Coin Digest: Nickels $4.99 "Whether it's Shield Nickels, Liberty Nickels, Buffalo Nickels or Jefferson Nickels celebrating the bicentennial of the Lewis & Clark Expedition that capture your attention, you'll find photos and current values for all of them in this one download. Pulled directly from 2012 U.S. Coin Digest, the most complete and detailed color guide to U.S. coins, this download allows you to focus your attention strictly on nickels."

Machine Quilting By Nickels, Sue $28.24 Author: Nickels, Sue Subtitle: A Primer of Techniques Publication Date: 2003/09/01 Number of Pages: 112 Binding Type: Paperback Language: English Depth: 0.50 Width: 8.50 Height: 11.00

Nickels - Karlotta $39.99 Peep toe t-strap sandal features a faux leather upper, elastic panels for a secure comfortable fit, cushioned footbed, man-made outsole, 1/4 inch platform and a 3 inch wedge. Available in Black. Sizes 6M-10M.

Nickels - Jaclyn $49.99 Jaclyn slingback sandal features a faux leather upper, adjustable buckle closure on the ankle strap, comfortable lining, cushion footbed, durable outsole and a 1/2 inch platform, 3 3/4 inch heel. Available in Black. Sizes 6M-10M.

Nickels - Veronique $49.99 Veronique t-strap sandal features a faux leather upper with a buckle detail and adjustable ankle closure, padded footbed, faux stacked heel, man-made outsole and a 2.5 inch heel. Available in Black and Brown. Sizes: 6M-10M. Click on Alternate View to see additional colors.

Nickels - Noce $49.99 Noce slingback open toe pump features a buckle detail on the vamp, adjustable closure, and a 2 /34 inch heel. Faux leather upper. Available in Black and Ivory. Sizes: 6M-10M. Click on Alternate View to see additional colors.

Nickels - Mariah $49.99 Stylish peep toe wedge features faux patent leather upper, 3 inch stacked wedge and man-made outsole. Available in Black and Carnation. Sizes 6M-10M. Click on Alternate View to see additional colors.

Nickels - Ashton $39.99 Ashton slingback open-toe espadrille sandal features a faux patent leather upper with a bow detail on the vamp, adjustable buckle closure on the ankle strap, padded footbed and rope wrapped detail. 1/2 inch platform and 2.5 inch wedge heel. Available in Black, Carnation, Turquoise(not shown). Sizes 6M-10M. Click on Alternate View to see additional colors.

Nickels - Sherry $59.99 Sherry casual shoe features a buckle detail, a comfortable lining, faux leather upper, 2 inch heel and a rubber sole that provides traction. Available in Black. Sizes 6M-10M.

Jefferson Nickels $8.21 Description not available.

No Wooden Nickels $20.47 No Synopsis Available

Nickels And Dimes $14.62 No Synopsis Available

Five Nickels $6.09 No Synopsis Available

Tender Nickels $16.53 No Synopsis Available

Turn Nickels Into Dimes Magic Trick $3.38 Magically turn nickels into dimes with this magic trick. Double your money without any sleight of hand, so that even the most astute observer will never know how you did it. Just place the precision-made brass cap over a stack of nickels, and what do you get? A stack of dimes instead! A classic magic coin trick for magicians of all ages. Coins are not included. Related Magic Tricks And Sets: Magic Tricks Close Up Magic Tricks Beginner Magic Tricks Magic Coin Tricks

Nickels: A Tale of Dissociation $26.19 ..".a perfect genius that makes the impossible in expression, possible; theunknowable in experience, knowable" --Anya Achtenberg, author of "The Stories of Devil-Girl" "Nickels" follows a biracial girl named "Little Miss So and So," fromage 4-1/2 into adulthood. Told in a series of prose poems, "Nickels'"lyrical and inventive language conveys the dissociative states bornof a world formed by persistent and brutal incest and homophobia.The dissociative states enable the child's survival and, ultimately, the adult's healing. The story is both heartbreaking and triumphant.Nickels is the groundbreaking debut of Minneapolis-area authorand artist Christine Stark. "Christine Stark has crafted a language and a diction commensuratewith the shredding of consciousness that is a consequence ofchildhood sexual abuse. She brings us a wholly original voice in ariveting novel of desperation and love. Every sentence vibrates witha terrible beauty. Every sentence brings the news." --Patricia Weaver Francisco, author of "Telling: A Memoir of Rape and Recovery" "To be taken into the mind of a child can be an enchantingadventure, but to be taken into the mind of a child who isabused, confused, and taken for granted is a lingering, lividjourney. I applaud her fortitude to bring an olden--too long ignored--truth out of the darkness with blazing, innovative light." --MariJo Moore, author of "The Diamond Doorknob" "In "Nickels," Christine Stark, powerfully portrays the story of abuse and its impact on our lives. When this beautifully written and compelling story leaves, you are left wanting more. It's riveting; a book that will capture you from the beginning and carry you through the end. Everyone should read this book." --Olga Trujillo, author of "The Sum of My Parts" From the Reflections of America Series at Modern History Press www.ModernHistoryPress.com Learn more at www.ChristineStark.com FIC044000 Fiction: Contemporary Women FIC018000 Fiction: Lesbian SOC010000 Social Science: Feminism & Feminist Theory

Three Centuries of U.S. Pennies and Nickels $50.91 Journey through time with this history filled penny and nickel collection. The Three Centuries of U.S. Pennies and Nickels includes nine pennies from 1800's to 2010, and 9nine nickels from the 1800's to 2008. Brand: American Coin TreasuresDimensions: 6 inches x 4 inches x 0.06 inchesCertificate of Authenticity is includedFeaturesIndian Head PennyLincoln Wheat PennyLincoln Steel PennyLincoln Memorial PennyFour Lincoln Bicentennial Pennies Lincoln Union Shield Penny'V' NickelBuffalo Nickel Silver Jefferson Wartime NickelWestward Journey Series NickelsFaces of Jefferson Nickels

The Great Ziegfeld $10.99 The Great Ziegfeld (Snapcase) DVD New "Flo Ziegfeld's midway attraction isn't drawing flies. 'How's business, Ziggy?' a rival taunts. This winner of 3 Academy Awards(R) including Best Picture provides the career-chronicling answer. Florenz Ziegfeld Jr.'s business was good (with Broadway's legendary Follies and more), bad (including times the showman could scarcely rub two nickels together) and rarely lacking optimistic excess. Year: 1936 Director: Robert Z. Leonard Starring: William Powell, Myrna Loy, Luise Rainer" Synopsis: The life and times of Broadway showman Florenz Ziegfeld and his two wives. Oscars for best picture, actress Rainer. Format: DVD Color: Black and White Rating: Not Rated Genre: Musical Runtime: 176 Year: 1936 Director: Robert Z. Leonard