The newer pesticides are designed to work as effectively as possible. Due to their effectiveness, a limited amount is required to be applied to the soil. The FDA approved organic pesticides aren’t as effective. This requires additional applications and more being applied each time (vs the newer non-approved pesticides). More pesticides being applied means more runoff and possibility of contamination to streams and ground water. The soil can also be over saturated and be damaged by the increased concentration.

If you have the means to pay it off early, I would. It is worse for your credit score, but you will feel great not having that payment hanging around your neck. I can practically guarantee that you won’t regret not having to make that payment each month.

There’s a lot of shitty “leather” belts that look great but fall apart rather quickly. I also tend to go through belts on my work pants, but I work construction and that is hard on the leather