Ooh, I'm hoping to join this club eventually! We have a mortgage with a bank, we owe them 304 160 USD (2 120 000 NOK).
I would like to have a plan to pay it down as soon as possible, and definitely much sooner than the 25 years that the bank wants us to - but my husband isn't into it! He says "Everybody has a mortgage" and "A mortgage is just something you have to live with" - and when I tell him that presently we are just giving our money away to the bank for nothing, paying lots of interest every month, he doesn't get it at all!
Every kroner that we pay into that mortgage reduces our monthly costs immediately, and with the interest rates that we have in today's economical climate, 10 000 paid in is actually more than 10 000 earned in the long run as well. How do I get my husband to understand this? He hates math, whereas I'm this nerd that likes to sit and calculate downpayments and how much they save us.
As for now I occasionally manage to talk him into putting in a lump sum when we get tax money, bonuses etc., and I also save up lumps in my own account and pay them in when they reach a reasonable size.
I would love us to be more systematic about it, though.