If you choose to use PFM software such as Quicken or Money, download the programs at the following sites:
Use the program to setup your BLOC and other money and budgeting accounts. You will make all income payments into the BLOC and pay out all living and other expenses from the BLOC (see mortgage payoff slides for illustration).
Then advance $5,000 from your BLOC to make a lump-sum payment to your mortgage.
Manage your discretionary income over time to reduce the $5,000 advance.
When the balance drops below $500, advance another $5,000 from your BLOC to reduce your mortgage loan balance.
Repeat the process until your mortgage is paid off.