And I’m not really complaining about the high interest rates either. While I love the interest rate that I refi’d at, I recognize that that was very much an anomaly that I was fortunate to take advantage of, and that the comparatively higher interest rates now were necessary to keep inflation from spiraling out of control even more than it did.

Interest rates now are still, historically, at a rather modest level. Still means that what would otherwise be a very lateral move ends up being much more expensive.

At least 0% interest rate offers on credit cards are plentiful and I can use large (otherwise planned and budgeted) purchases to leverage that against inflation a little more. And some of that is going into refreshing home appliances and sweat-equity improvements, so at least it’s (even if barely) helping to improve the value of my home. Only appliance I haven’t upgraded yet is the range. And considering the energy improvement 0% loans to replace my oil boiler with heat pumps with resistive backups and potentially add solar.