<prompt> Human: Hello all at personal finance! I am a first time poster, long time lurker. Just have a couple of quick questions for everyone. 1. Is it bad to pay off bills in advance? Will my credit be negatively affected?For example : I have had a car loan of 8,500 USD for about 2.5 years. The term of the loan is 54 months but I have paid it down to 3,900 and my next payment is due in June. 2. Do you pay your bills this far in advance?3. Am I stupid for paying so far in advance and letting myself go broke for the rest of the month just to get my car paid off as soon as possible?4. Got any tips or info I should know about in regards to finance ? Thanks in advance for reading. I appreciate the feedback.  <response>: yes and no...first if you are paying extra make sure the extra goes to principle so you pay less interest. Paying your bills in advance doesnt hurt or help credit, other than the fact you dont miss payments. I would put extra to principle each month and not pay as far ahead. 