Not really MINI related, but MINI financing… and I really should have caught this earlier so its all my own fault really. I thought I was being fiscally smart, each month I was making more than the required payment on the loan, get that thing paid off early! Well, they are smarter than me… they’ve been reducing the required payment each month so as to keep me on track to take the whole term of the loan! Yeah, I should have noticed the payments were getting smaller but I still feel duped.