[scottmandue]

Okay, we signed up for a program with Citibank for making a mortgage payment every two weeks.
Sounds like a great idea... pay off the mortgage faster... pay less interest... blah, blah, blah.
Downside is those months where we pay three mortgage payments, long story short that surprised us one month, our account over drafted, bad things happened.
I said "screw this lets go back to once a month."
She said "no, this is important to me to pay off the mortgage faster."
My theory is we can make extra payments voluntarily and still pay off the mortgage ahead of time without the bank scheduling it for us and us running the risk of being caught without sufficient funds.

What think ye?