Guilty as charged! I often fantasize about what my life would be like if I didn’t have a mortgage. Think about how much money you would have every month at your fingertips if you didn’t have that pesky mortgage payment. Here are some ways that you can reduce the length of your mortgage by a few years without too much pain.\nAccelerate your payments\nThe easiest, least painful way to pay your mortgage off faster is to accelerate your payments. What do I mean by this? Many of us pay our mortgage once a month. Instead pay your mortgage bi-weekly or weekly. This will shave a couple of years off the length of the mortgage and is pretty painless. \nTake advantage of the prepayment options\nIf you have an open mortgage or pre-payment features, take advantage of some of the extra payment options. The one I find to work the best is to increase your monthly payment. I like this one because it becomes part of your monthly budget and you don’t really feel as though you are making much of a financial sacrifice. Schedule your payment to come out of your bank account right after you get paid. This way there is no temptation to use the money for something you probably shouldn’t! If this isn’t for you, set some money aside each month in a separate bank account. At the end of the year, if you haven’t used it, put it onto your mortgage. \nContribute to an RRSP? A great idea for your tax refund!\nMany of us make an annual contribution to an RRSP. This is a great way to not only save for retirement but also to help pay down your mortgage faster. When you contribute to an RRSP it will often result in an annual tax refund. Use that tax refund to pay down your mortgage! It is like killing two birds with one stone.\nBy doing these little things, it will not only allow you to pay your mortgage faster, it will reduce the amount of interest that you pay over the life of the mortgage. I don’t know about you, but that sounds quite appealing to me!