It wasn’t one week after we closed on our mortgage refinance that my wife and I got our next “big break” on our expenses. As I’ve spoken about before, part of my annual budget is to pick a handful of expenses each year and see what I can do to reduce them. Sometimes this takes a fair amount of work and research as was the case with the mortgage refinance. But ironically, this next one came from an unlikely source: Junk mail. … [Read more...] about Another Expense Reduced – Refinancing Your Auto Loan