Okay, I’ll admit it . . . If you were to look inside my closet you would see: clothes on the floor, shoes mixed together in a pile, and bunch of neckties I never wear. Sure, there are those periods when it looks like a body could be buried beneath a pile of old socks, but it’s a closet! A closet by definition is “a place to conceal” stuff. So, that’s exactly what I use it for. I conceal . . .

Paying off your mortgage can seem like a daunting task when you look at those monthly statements that show your remaining balance. However, no matter how much money you still owe on your mortgage, you can start taking steps now . . .