It is a constant source
of amazement to me how many people spend hours poring over the latest way to save 20
cents on a bottle
of ketchup, or unplugging the TV after they use it every
time, only to agree to mortgage payments without reading the fine print or negotiating; therefore, even though I have 12 months before the current term on my mortgage is up, I am already
exploring a few different options I will have going forward.