I accidentally sent two mortgage payments this month
it's too late for me, so I won't send in a nissan payment.
Harmony, Spirit, Way
Mine comes out automatically, so I never have to worry/think about it. I always check to make sure it went through for the right amount though...
Think of the long term, it saves on interest owed. Anything over the minimum goes on interest. If you doubled up on all your payments you would clear the loan in less than half the time.