id get one really good wear of them on Canada Day but then thats about it <| sep |> I ' d rather watch the movie than read a fanfic tho . No offense . <| sep |> Honestly never had issues with that . and I don ' t even use any ammo mutation mod I utterly abhor them <| sep |> I ' m not a fan of subscription boxes like this . It ' s too difficult to source new items every month . I steer clear of them when they are too narrowly focused . I can buy a pack of pens anywhere , what is going to make this specific to BuJo ? Most people use a journal for months at a time and including journals increases the prices since they tend to be $ 10 $ 15 each at the volumes you ' d likely be able to get initially . <| sep |> I think Sauga . <| sep |> usploosh 87 here is how you calculate the difference in interest savings very easilyTake your principal interest payment for the first rate , multiplied by # of payments for example a 15 yr would be 180 payments . Then do the same with the second rate . Now subtract the difference between the two and that ' s the amount of interest you would savelose .