I think you're spot on about the discipline factor here. When I refinanced a few years back, I went with an adjustable-rate because the initial rates ...

Went through something similar when we bought our house. The brand-new washer we splurged on died literally a month after the warranty expired. Meanwh...

I get why downsizing seems simpler, but refinancing can be a solid alternative if you want to stay put. I refinanced my place last year—basically, you...