I would refinance to save half a percent, but would only go back to thirty years if I did not have a choice.
I would just continue making the same payment I always had.
I was finally able to pay off my credit card right before coming home from annual training, which I finished yesterday. This morning I went to crank up the laptop I bought five years ago in Afghanistan and it was dead, Jim.
So, I am the somewhat-proud owner of one of these:
Dell XPS 8900 Desktop | Intel Core i7 | 4GB Graphics
Except, at some point I will figure out why they advertise 32GB, but this only has sixteen.
It is the 8900.