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The Debt|Done|Date. Blog

Plain-language guides on getting debt-free faster.

Topics All amortization budgeting cash flow debt avalanche debt payoff debt snowball emergency fund escrow heloc home equity home finance home loans home ownership money habits mortgage mortgage acceleration personal finance principal payments refinancing velocity banking windfall
Where Your Mortgage Payment Really Goes in the Early Years
June 2, 2026

Where Your Mortgage Payment Really Goes in the Early Years

Your monthly mortgage payment feels like progress — but in the early years, most of it is interest. Here's what's actually happening inside your loan.

How One Extra Principal Payment a Year Changes Your Payoff Date
May 27, 2026

How One Extra Principal Payment a Year Changes Your Payoff Date

Making just one extra principal payment a year can shave years off your mortgage. Here's how the math actually works — and why starting early matters most.

What Mortgage Acceleration Actually Is (Without the Hype)
May 23, 2026

What Mortgage Acceleration Actually Is (Without the Hype)

Mortgage acceleration sounds like a financial trick — but the real mechanics are surprisingly straightforward. Here's what it actually means and how extra principal payments work.