I'll just repost my Facebook status from about a week ago:
Let me paint you a picture: Head in to my Credit Union to see about mortgage refinancing. Turns out I can save almost $400 a month (or more) on my payment if I refinance with my choice of closing fees. HUGE savings with minimal overhead. I also refinance my car loan, saving pennies but taking my business away from Bank of America and getting a $100 gift card. Walk outside, it's just rained - there's a cool breeze so I drive home with the windows open, and one of my favorite songs comes on the radio. What a glorious afternoon.