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Mortgages, student loans, credit cards… sadly, most people’s understanding of personal finance extends only so far as “pay what the bill says to pay”. How do we know if we’re paying the proper amount? And what would the effect be if I paid $5 more than the minimum this month? The basic tools necessary to answer these questions have already been provided in the previous chapter, and now we’ll explore how to use them to solve these very common problems.