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Sydney mum's tips on how to pay off mortgage in under 10 years

A Sydney mother and preschool teacher has revealed how she paid off the mortgage on her two bedroom house in less than a decade.

Heidi Farrelly, 37, and her husband Clinton purchased their Engadine home in the city's south for $410,000 in 2008 and are set to make their final mortgage payment in January.

Ms Farrelly has shared her top tips for affording to put two thirds of an income into paying off the debt.

These include keeping a diary of spending, adding $10 a week to repayments and cancelling Netflix subscriptions.

Heidi Farrelly, 37, and her husband Clinton purchased their Engadine home in the city's south for $410,000 in 2008. Photo: Facebook

"I wanted to show people that anyone could use what they had and still get ahead," she told the Daily Mail.

"I used to be terrible with money and I taught myself how to be better and ultimately achieved financial freedom."

Ms Farrelly has outlined her top tips in her book "Mortgage Free: How to pay off your mortgage in under 10 years without becoming a drug dealer."

In August, she said saving hasn't always been easy, but her family "stuck to their guns," according to Money.

"We go on camping holidays instead of staying in hotel, we take picnics to the beach instead of eating out, and coffee with friends usually means stopping by their homes," she said.

Ms Farrelly has shared her top tips for affording to put two thirds of an income into paying off the debt. Photo: Getty

Ms Farrelly's top tips to pay off a mortgage in under 10 years include first keeping a diary of spending over four weeks and then making a realistic budget.

She then said to look for unnecessary direct debits such as Spotify or Netflix subscriptions and redirect them to the debt.

"Explore your own backyard for a while instead of travelling abroad," Ms Farrelly advised.

The teacher said that even boosting the mortgage repayments by $10 a week can make a massive difference.

A boost in housing prices across Sydney have left many home owners with mortgage stress. Photo: Getty