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To ensure that the money is available to pay your mortgage each month, you may want to set up a separate checking account just for this expense. Like with savings, it is a good idea to use direct deposit if it is available. If you get paid semi-monthly (twice a month) or biweekly (every other week) have half of the mortgage payment put into this checking account each paycheck.
If you get paid monthly, have the full mortgage amount deposited each paycheck.
If direct deposit is not available, automatically transfer the funds into your mortgage checking account as soon as you deposit your paycheck and the funds are made available.
