Interest Rates

Wow, I'm quite happy with my newest rates... I knew rates made a huge difference but I had no idea until now, when I can really compare things.

Last year, my APR changed (for the better) by about 10%.

Basically, I put $3700 on principal for a little over 1.5 years' worth of payments.
In just 6 months on the new rate, I'd put in $3000 on the principal, paying the same amount I was paying before.

Yikes, huh?

Now, granted, that's $3700 less that I'm not paying interest on, but still... that's a HUGE difference. Remind me to save a lot more in the future, though, so I don't have to borrow so long... LOL

~nv