![](/static/253f0d9b/assets/icons/icon-96x96.png)
![](https://lemmy.world/pictrs/image/0943eca5-c4c2-4d65-acc2-7e220598f99e.png)
Oh, I was only aware of credits where the lender sets the amount to be the total exactly spread over the period, those are the only ones I’ve seen and taken, so each month I get a charge for the amount needed to keep up with the credit.
For the rest then it makes sense how they make money, since I’ve had credit cards which don’t show or at the very least hide the amount to not pay interest and only tell you the minimum payment.
Could you get a fountain?
Specially if it spreads the water like rain, it’ll help cool the air around, you’d just have to change the water every so often.
If where you live is not very humid you could investigate into swamp coolers.