Worth the phone call

I refinanced the house yesterday.

Our credit union has a thing where you can modify an existing mortgage, changing term and interest rate without changing anything else, and without the astounding amounts of fuss and paperwork that go into a whole new mortgage. So I spent about fifteen minutes on the phone and we signed a three-page document, and it'll save us a hundred bucks a month. (Actually, we'll keep paying the same amount, which means we'll pay the thing off years earlier and save thousands in interest.)

Not a bad payoff for making myself pick up the phone.