Times are tough. With the economy the way it’s been people are spending cautiously. I hear on the radio every week that unemployment rates in my state are on the rise. I know a lot of people that looked into mortgage refinancing, just to save any money they could. For those that don’t know, mortgage refinancing allows you to pay off one mortgage in order to create a new one, as well as combine two mortgages into one. Sometimes people combine other bills into their new mortgage, to cut down on monthly spending. The oddest thing I ever heard of someone adding in was a minivan. Have you ever refinanced a mortgage? Did it help you?