From finance expert Clyde Anderson:

Do you realize that an additional $200 a month applied to your mortgage can shave off years on your mortgage and save you thousands of dollars? Sure, I hear you saying, "Yes, but who has any extra in this economy?" Well that's a great question. I would venture to say there are many people out there who can swing it and it may be you, but you don't even realize it.

You may be saying, "If I had $200 a month extra, I would know. Lets take a look at one area and see. I know there are many people who go out for lunch each day at work, spending on average $10 a day. $10 a day equates to how much monthly? Yes, you guessed it - $200. Now would you rather brown bag it for a little while in order to pay off your loan sooner and even save thousands and thousands of dollars? Or would you rather give it to the restaurant who's providing food you could have made at home?

My point is we have to change our minds in order to change our lives. $200 a month could mean a filling lunch for a month or it could mean paying off your mortgage in 15 years as opposed to 30.

Look for Clyde Anderson's Home School segment in the 7 o'clock hour of CNN Saturday Morning. TJ has the weekend off - Kate Bolduan and Jim Acosta join us beginning 6am ET/ 3am PT.