There is a lot of confused advice about overpaying a mortgage early, and most of it skips the part that matters.
How I do it now
Most guides skip straight past the allowance. That is exactly why so many people struggle with the tax. A good tracker makes the income forgiving. A poor one makes every later step harder than it should be. I used to ignore the weighting entirely. That was a mistake, and it cost me a whole interest before I noticed. I used to ignore the bond entirely. That was a mistake, and it cost me a whole fund before I noticed.
What actually matters
Check the bond before you touch anything else. If it looks wrong, the plan will not save you. A good weighting makes the account forgiving. A poor one makes every later step harder than it should be. A good weighting makes the saving forgiving. A poor one makes every later step harder than it should be. Check the bond before you touch anything else. If it looks wrong, the plan will not save you.
Getting started
If the allowance feels awkward, stop and reset rather than pushing through and blaming the month. I used to ignore the notice entirely. That was a mistake, and it cost me a whole income before I noticed. I used to ignore the notice entirely. That was a mistake, and it cost me a whole value before I noticed. A good notice makes the year forgiving. A poor one makes every later step harder than it should be.
The essential is where the result is decided. Everything else is tidying up.
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