Anyone ever use one of the holiday coupons from a Sheffield financial? I was thinking I might use one since It looks like I'm going to lose out on about 5K in leaf cleanups this year. Crappy weather is killing the northeast this year. We got a late start cuz of a few inches of snow and an early finish (forced finish) Cuz of a few inches of snow. I'm looking to see how bad it makes the finial payment since there will be 30 days more of interest added to the loan. Keeping that $400 payment in my pocket seems nice but I dont want to get nailed later on for not paying on the principal. Anyone ever use one?