That's the boat we're in now-bank wants 9.5%, raising our ARM $300 a month at the same time I lost my job, so in essence, we lost $1500 a month but our mortgage is $2100. Refinancing would have upped the loan amount, although we would have dropped 4 points, bringing the payments to under $1800; problem is, adding closing costs to the balance made our loan to value ratio too close and we ended up being denied by the underwriters after being approved by the lender.
We all know how I feel about CFL bulbs...
I recently got a different phone plan that dropped the monthly bill at least $50. Verizon doesn't advertise it, but they have a family plan that is all inclusive for $99.99 for the first two cell phones, $9.99 each after that. Unlimited texting in and out of network, which is where the savings are when you have teenagers.
