Don't allow your mortgage company to convert your payment plan (FOR A FEE) to a bi-weekly plan. Many companies will offer to "convert" your mortgage to a bi-weekly mortgage payment plan for a fee. They'll automatically withdraw the payments from your bank account every two weeks. Read the small print on such plans. Many of them only pay your lender once a month, so the extra payment doesn't get applied to your loan until the end of the year. In the meantime, the company has been earning interest on your money as well as charging you a sometimes outrageous fee.

Save the money, apply it to your mortgage, and include this payment in your family's budget.. You can do EXACTLY the same thing....with $0 fees.