I learned this from my mother in law of all people. We're a farm family and have to write a lot of big checks from our operating loan. If you send the payment early that means you're paying interest on that big payment sooner than you would have to. But, I don't like to think I may miss a payment due date and get a late fee, so I tend to write out my check payments right away when I get the bill. But I don't want to send them now, I want to wait. So here's what she taught me.
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