[mom-from-missouri]

I currently am doing $25 a month extra. I also have mine electronically paid each month, buy having it put on my ATM-credit-debit card, as a credit. it still comes out of my checking account, I pay no intrest on it--BUT, I earn reward points, which at the end of the year I get as cash deposited into my checking account by my bank. I then take that cash, and also apply it to the mortgage.