Something else to consider that could actually help

pay your mortgage off earlier and for far less. Do your budget based on every two weeks. It takes a bit to get into the grove of it, but trust me it will save you money.
Pay your mortgage the payday closest to the first. An example: is our next payday is the 26th and our payment isn’t due until the fifth. But we go ahead and pay it on th3 26th and save 10 days of a higher average daily balance. Most mortgages the interest is calculated on the average daily balance. So if you lower that average by paying early you pay less interest. Less interest to be compounded into the over all debt (raising the average daily balance) over the life of a mortgage this can save 100’s/1,000’s depending on the length of your mortgage and your interest rate. (see my post on my blog about average daily balances—link below).
Another advantage of an every two weeks budget instead of a monthly budget is you set it up so that you are actually paying more often on debts in the long run. That’s how I ended up paying that BOA early last month because of the every two weeks payments I was able to pay the final payment earlier because I was paying on the bill every two weeks rather than twice a month (26 payments rather than 24 payments).