All of us accumulate spare change almost everyday.  Just by going about our daily routines, we undoubtedly end up with spare change when we empty our pockets at the end of the day. 

Paying just a little bit extra on every loan will have huge benefits in the long run.  This practice allows you to pay off loans quicker so you have fewer payments to make and saves you hundreds or even thousands on interest. 

Here are just 2 examples.