u/Critical_Trifle6228

As the title states. I have a loan on my 2015 car with 117,000 miles at 14.39% for $375/month. I got preapproved for 7.5% at $192/month. My current loan has 43 months left. The new loan would be 84 months.

I will be coming into money in the second half of this year (will be able to pay additionally each month on the car) and will have the car paid off by December.

Is it smarter to continue paying my minimums now until I get the additional income in September and not refinance? Or should I refinance now so when I get the additional income since the payment is lower more of my extra money will go towards principal?

Hi all. Staying at the Boardwalk from July 1-4 and OKW from July 4-5. When I tried to do dining this morning I wasn't eligible to reserve dining for July 5th. My understanding is that I should be good to go for the first day of my stay +10 days after. Is that not the case? Any idea what I should do other than wake up tomorrow early again and hope for the best?