<prompt> Human: This is a general curiosity question. If Im making mortgage payments, would it be worth adding a little to it each month? Like 20 here, 50 there, nothing major. Just whatever I can afford to throw on to it after adding to savings and retirement each month.  <response>: First, I definitely recommend reviewing the flowchart My response would assume that someone is at or near the bottom of the chart.Mathematically, its probably not worth it. Such small amounts could probably be better invested elsewhere with a higher rate of return: educationprofessional development, building up additional securities, or even on doing some maintenance or improvements for your home itself. However, for some of us-- myself included-- the psychologicalbehavioral benefits are totally worth it. I despise debt, and it helps keep me accountable to pay extra towards principal each month. Seeing the balance diminish ahead of schedule helps me stick with my financial plan. 