Want to know one of the simplest hacks to save thousands on your mortgage? Make one extra payment each year.

It doesn’t sound like much, but that single extra payment chips away at your principal faster, which means less interest over the life of the loan. Depending on your loan amount, you could shave years off your mortgage just by making a little extra effort.

Think of it this way: if you can skip one family trip to Disney and instead throw that money at your mortgage, you might be able to own your home free and clear years sooner. (And let’s be honest, standing in line for 90 minutes to ride a 2-minute roller coaster isn’t that magical anyway.)