OK. I want to pay off my mortgage. In Two years. Where do I start. Don't say buy a book!!! Remembering the TV show, I guess I have to reduce my costs as much as possible, earn as much extra money as possible outside of work and just keep going.

BUT with 3 kids and a hefty mortgage to support which wipes out most of our monthly income, its not easy! I feel shattered when I get in, and don't kow how I can actually earn other money.

See I don't think its possible for everyone to do it in 2 years.

First start by drawing up a table of everythign coming in and everythign going out. Don't forget to include amounts for car tax, insurance, clothes, food. ie. Look across the entire year, not just last month. That way you can include one-off costs which can get forgotten. Also include overdraft fees, income from child allowance etc. EVERYTHING.

That might shock you at first. Most people find that they atcually have very little IF ANY spare mney at the end of each month. Very eye opening.

So if that's the same for you, you obviously can't increase your payments.

Next, look at what you or your partner can do outside of normal work hours. You might feel "shattered" and have no time, but if you don't make time, it'll never get any better.

Maybe look for a weekend job - bar work, hotels, gold clubs, shop assistant, cleaner. Target an area you know something about. The way to make most money is by providing a service. If you work for someone else, they get paid as well. If you work for yourself, you get all of the revenue!

What do you do at work? Is it something you could do privately? Accountants can take on private clients. Designers take on private work. Web people make websites for people. Can you use your skills like this? Private training lessons? Everyone has somehting that they can sell.

Also look at selling things on eBay. Not as a business, but to turn the junk hanging around that you might never use again into money.

Stick everything you earn into a different bank account that you PROMISE not to touch! You then need to chekc with your mortgage people whether you can add lump sums (some of them limit what you can do) or have to increase your monthly payments.

Give it a go!