评估分期款项的利率，选择合适的支付方式
如果你发现自己手头资金相对宽裕，可以考虑评估你分期付款的利率水平。如果利率较低，可能继续保持分期支付的方式更划算；但如果利率过高，可以考虑提前还款或者将剩余款项用低利率的借贷替代，避免不必要的高额利息支出。
实践小贴士：我有过选择性提前还款的经历，主要是因为当时的分期利率高达20%以上。我通过一些低利率的借贷产品提前还清了剩余款项，最终节省了不少利息。
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