Whether you want to go big (hello, high housing bills) or small (that protein bar habit), these easy changes will keep money in your wallet.
By Lynn Andriani
Your Huge Mortgage Payments
It's one thing to read that rates are at a record low, but it's another to actually run the numbers and realize how much money refinancing could save you. Though average rates on fixed mortgages recently jumped to their highest levels in a year, they're still near historic lows. Depending on your current rate, a re-fi could bring your monthly payment down by anywhere from $60 to $175 (or significantly more). Don't worry about trying to pay off the entire loan, though: Carmen Wong Ulrich, the president and co-founder of ALTA Wealth Management, says a mortgage is one debt you shouldn't be in a rush to pay off.