That $5-10 each month isn't impressive, but it will become thousands of dollars of less payments at the back end and financial freedom years earlier than anticipated.

In just the first year of my current mortgage, I made my regular 1/2 mortgage payment as principle only the two times I had three paydays in a month, and the result was an eight months earlier payoff for making just one extra monthly payment. Imagine how that number will grow if I keep doing that for the next 20 years, and what that total sum of savings will be. Twenty years from now, I'll also be at a point in life where that extra money in my budget can be used for more enjoyable, difference making things. Right now, it would probably just go to things for my kids that won't make an appreciative change in lifestyle or long-term difference in how they feel about me as a dad or the level of satisfaction with their life.