I remember being a bit disheartened when I would pool hundreds of extra dollars out of my budget to put against my principal balance and seeing my interest due drop by only $5-$10 for the next month. It was a bit of a let down.

It was more motivating to me to look at that $10/month for the remaining months due on the loan as total interest saved. If I had 10-15 years left on the loan, those $5/month interest I stopped paying was a nice reward for my saving.