Well I guess my take is that when it happens it will be SO bad, that it will collapse the entire economy, no one will be paying the mtg and we will be VERY lucky if there is are utilities to pay the bill for! I am hoping that it isn't so bad, but I have a pit in my stomach about it. I am trying very hard to stay calm and rational and not do a lot of panic buying. But I am seriously looking at everything I can do right now. Including pre-paying anything I can as much as I can afford. If we had more time you could pay a bit more than the mtg and gradually get ahead, but you have to be sure when you send in the extra that it is to go to the next payment, not to the principal or they might just apply it to the entire balance and not the next payment.