Concept I heard listening to Lou Brown

Hey guys,

I was listening to Lou Brown course and he went quickly over how he saves thousands of dollars by paying down the mortage by sending in a $50 payment with a letter stating how to devide the $50 over the next 6 future payments.

I did not get exactly how he broke it down or came up with the $50, but I believe he added up the principal payments of the first 6 payments then sent them as one payment first month with the letter. His explanation is that it accelerates the payments and if you do not do it that way, the bank would apply the payment towards the end of the mortgage payments not up front.

Does anyone know what exactly was he talking about? He said he goes over it in details in his street smart money course, which I don’t have nor do I see on his website.