The next monthly bills we looked at were our loans. With interest rates so low, my husband and I looked at what we could get refinanced. Our auto loan was at 7% interest, but recently we got it lowered to 3.9%. Saved us $185 a month!! However, we did extend our loan another 5 years.
We are currently trying to get our house refinanced, but it is proving a little harder. There is a potenial $100 a month savings, we just have to work on lowing our debt to income ratio.
As for credit cards, well honestly I don't know where things are at with those. A couple years ago, my huband and I transfered the balances on our higher rate cards to some lower rate ones. Credit cards are a little harder to deal with than they used to be. It would be nice to call them up and ask for a lower rate, but I'm not sure they do that anymore.
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