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Norma, I agree about the importance of having a roof over your head. I used to pay an extra mortgage payment every year. I took the amount of one month's mortgage payment, divided it by 12 and paid that amount extra every month. Unfortunately, I have not been able to do that for about a year now because of other expenes that popped up. Once I get back to work, I plan on starting that up again, as well as dividing the rest of my paycheck into debt reduction and savings.
Kathy
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