<prompt> Human: Hi personal finance folks!To start, Im the 25yo adult-child of a financially clueless parent so a lot of what I know Ive learned here and other internet research.My credit is in good standing 740 was higher, but opening all these new accounts around the same time pulled credit hits, I have a newly purchased car loan in my name, car insurance payment, an apartment Im renting, utilities in my name, one credit card with a low balance, one credit card almost paid off, and student loans that are in deferment. That said:Does it make sense to pay my bills ahead?Ive paid my car note 2 months ahead so far and try to make payments more frequently on my credit card and utilities. The credit cards obviously dont count as paying ahead, but it is paying it off faster. The utilities do build credits so if for some awful reason something happened, Id have X amount of money already paid that they could draw from. I dont feel underwater or stressed by my payments, but Id rather be safe than sorry. Also, I have a small savings cushion as well that can cover my rent in case something were to happen.Does this make sense to do? Is there any real benefit to paying bills ahead? I have a lot of fear about financial insecurity and missing bills so Im trying to find a balance. Assistant: Not really. Just stick to a budget and pay your bills on time.Human: And with my car payment, should I quit paying ahead on that? I have it paid through December...  <response>: Do not prepay a loan to push back the next due date. It is actually bad for your finance. Instead, apply extra payment to principal so that you shorten the loan and pay less interest over all. 