>Will you notice the 16$ extra a month? Unlikely but your loan will!

And this is it! The value of a pizza, or two beers a month can knock a year off a loan. 

It is definitely worth exploring at the least and if for example a small bonus does come, we are making the decision to put at least half of it on the loan while we get the multiplier effect. The difference doing it now or starting in five years is mammoth.