This is Optimal Finance Daily, episode 2, 792.

20 smart tips to pay off your mortgage faster,

Part 2, by Andy Hill of Marriage Kids and Money.com

and I'm your host and personal finance

enthusiasts Diana Merriam. Welcome back to Optimal Finance Daily, where I read to you

every single day of the year, sometimes longer posts, which is the case today.

It's actually a continuation from yesterday.

So if you haven't done so already, I'd recommend listening to yesterday's episode first.

But if you're all caught up, then let's get right back into it,

and hear part two, as we continue optimizing your life. Hill of Marriage Kids and Money.com.

Number 11, switch grocery stores.

An object in motion tends to stay in motion.

A shopper at Kroger tends to stay at Kroger.

Examining our habits can often unearth savings.

If you have a discount grocer in your area, but you haven't checked it out, you might be able to uncover some

significant savings. Even if you can't replace all of your shopping with the goods at

Aldi, swapping just your staples can free up more money to put towards your mortgage.

Number 12, set boundaries with cash envelopes.

One way to set boundaries around your spending is to use a cash envelope system.

By using cash envelopes, you establish very clear boundaries around each budget item.

For example, once your fun money envelope is empty, there's no more money for take-out.

If you use a system like cash envelopes, any money left over at the end of the month

...