Why Monthly Mortgage Payments are More Efficient When Shredding

When it comes to Shredding, your mortgage payment frequency matters more than you might think.

While weekly, bi-weekly, or twice-a-month payments may sound like a faster way to pay off your mortgage, they can actually make it harder to maximize the Shred Method’s impact.

Here’s why:

• With a monthly payment, you have a bigger window of time between payments to send extra contributions directly toward your principal.
  
  

• This extra time means you can reduce your principal balance more before the next monthly payment is generated.
  
  

• Since your next payment is based on that lower principal, less of it goes toward interest, and more goes toward building equity.
  
  

With more frequent payments, you don’t have as much time to build up those principal contributions, which can reduce the efficiency of the strategy.

💡 The takeaway: If you can, stick with a monthly mortgage payment schedule—it gives the Shred Method the space to work harder for you.

PS: Check out this video Adam did explaining how velocity banking works (the method that we mainly leverage here in Shred). Give it a thumbs up and share your thoughts in the comment section. Subscribe to our channel! We’re gonna be posting great videos like this one very often.

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