Mortgage lenders can get the payments on mortgages lowered to the level where you can actually breathe again. Our next door neighbors Sally & Joe had such a high mortgage payment, that they had hardly any cash left over at the end of the month for their utilities & groceries.

So they had their lovely home refinanced & now they can actually go out to dinner & a movie once a month & still have enough left over to pay better payments on some other expenses. This has been a great inspiration to me, & I am thinking myself of having my home refinanced for better cash solvency.