A couple discuss how to cut their expenses.

— Honey, we need to cut our expenses. I think we should refinance our mortgage. I heard an ad on the radio today. It said that the interest rate right now is only 5 percent.
— Hmm... That's a good idea. What's our mortgage payment now, about $300 a month?
— Yes. I called the phone number on the radio ad. The gentleman said we could lower our payment to about $200 a month if we refinance soon.
— Let's make an appointment with the mortgage company. We sure could use an extra hundred bucks each month.