I recently started using the Money Merge Account System which will effectively pay down my mortgage in a fraction of the time. This is an amazing interest reducing stand-alone software program which helps manage your income and expenses to pay down your home mortgage. This is not a new concept, but it is relatively new to the United States. Please view the video on Stephanie Scwartz's web site regarding United First Financial. If you are interested in this program, please call me for more information at 925-207-8992.