01/09/2026
Don’t let perfect be the enemy of the good!
Yes you could follow these daft instructions to pay and extra monthly payment every year and yes it would help.
Or you could just pay whatever you can every month as an overpayment and that will also help.
Also you don’t need to specify that it goes straight to the capital it does that anyway.
You also don’t need to pay it fortnightly or whatever other monies people with bonuses spout on here.
Overpay what you can when you can 👌