I admit it – I’m a huge Dave Fan and typically repeat everything he says on his weekly show to my husband at night. The topic that has been a hot button for us in the last few weeks is our mortgage. I want to refinance it and Mr. M did not since we didn’t have the $400 to pay the appraisal fees. Finally, his boss (who Mr. M thinks very highly of) mentioned that he refinanced his mortgage and everyone at work should do the same. After a quick conversation, Mr. M discovered that we could roll the appraisal fees into our total mortgage amount and reduce our payment by $184 per month. Attacking that debt snowball one snowflake at a time!