A new deal on your home mortgage, or what is called a refinancing, will help you considerably. Your monthly payments will be lower so you will have more money to spend after you pay your monthly bills. Do not let the extra paperwork scare you too much and do not accept the first offer without checking out all other possibilities. Keep in mind that the result will be that your daily life becomes a lot easier and maybe you will no longer have to deliver pizza’s half after work until early morning hours to make ends meet.
Your wife would no longer complain that you are just a stranger who pops in every now and then. You will actually be able to create more time that you can spend with your family. You will have more breathing room for your spiritual development. Hobbies become a possibility again and there is no longer a need to feel guilty when you called in sick at your pizza place so that you could play video games all night. If you pay a considerable portion of your monthly income to your home mortgage loan, and your activities in life are considerably restricted because of your high payment, then it is definitely time to look into the possibility of refinancing your home mortgage loan.