2021 with the pandemic had us take a look at our finances in relationship to our goals. As we near, retirement, we have put a plan together. 
This year we refinanced our mortgage. We had a 1-year ARM based on Treasury bill index, so it was time to get a low-rate fixed rate mortgage. We didn’t want to refinance for 30 years, so we chose a 15-year fixed mortgage that we plan to payoff in 10 years.
We had several credit cards that we didn’t use often and always paid in full when we used them. We made the decision to close these credit cards. Yes, it will lower our available credit line, but that isn’t a concern for us at this point.
We have maxed out our contributions to our retirement accounts and health savings account.
All in all, we have accomplished out financial goals for 2021. How about you?
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