Several important refinance rates fell. If your mortgage rate is 1% higher than today's rate, a refinance might be worth it. https://www.cnet.com/personal-finance/mortgages/refi-rates-are-easing-for-homeowners-mortgage-refinance-rates-for-jan-6-2025/#ftag=CADf328eec
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Doing these things can help your iPhone or Android phone last for much longer, saving you a ton of money. https://www.cnet.com/tech/mobile/make-your-phone-last-much-longer-with-these-easy-tips/#ftag=C
