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Make repayemnts with increased frequency. Fortnightly, weekly- even daily, if you can. Banks usually calculate daily and charge monthly.
Make sure your payment(s) are in advance not in arrears on each interest period.
These two small changes, if you do nothing else, make a difference
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Stuart
War crimes will be prosecuted. War criminals will be punished. And it will be no defense to say, 'I was just following orders.' George W. Bush
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