Balloon payments on a credit card can make your payoff quicker and less expensive. Same goes for creative habits.
Put in the minimum payment here and there and it’s fine, making the investment (kinda) is what’s important, skipping out results in penalties.
But if you do a little—or a lot—extra, it pays off in more than one way. You finish quicker. You feel a sense of progress. You may even be less stressed, who knows?
Your Friendly Neighborhood Metaphor-Man