I shared  my monthly expense here, and one of the reason for looking at expenses is to see if there are any quick ways to minimize them. The best way is minimize recurring cost. One of the items that my partner and I were looking at is mortgage. And seems like now is a good time to look at mortgages since interest rates are rock bottom, and I've just received an email from the bank about repricing. As a side note, 2 years back when I was doing a refinance, I thought interest rate was rock bottom at about 1.8%. Today, interest rate has fallen even more, and we are getting a new interest rate at a low 1+% interest rate. It's a no- brainer to do a repricing or refinancing. We only checked with 1 other bank, and the rates are about the same, so I would really prefer a repricing rather than a refinance....