At the moment, life has left me in need a bit more cashflow (which should be obvious if you’ve been reading this site before now). Most of the things I’ve checked out so far have produced small change. My budget? Doesn’t always balance. Barring a large increase in income, we need to reduce our expenses.
It’s time to consider one of the biggest reduction methods. It’s not really feasible to sell the house at the moment, but we certainly can reduce the monthly payment.
It’s time to refinance.