How's Everyone Doing in LTL Right Now?

So all the money I save from not having a credit card and car payment are now being rolled over into my mortgage payment. If I can get it paid off by next Christmas, I will save about $23K in interest over the life of the loan (which would be an additional 22 years). It's one of the main reasons why I just bite the bullet and ride around with my windows open when its 100 degrees out. I try to convince my wife that there is a method to my madness. I am sure she will once again fantasize about my premature demise this winter when she has to sit at home wearing a hoodie cause I am too much of a Scrooge to turn the furnace on.