refinanced...laugh or cry?

Wife called and she refinanced us out from under a $$k credit card debt, gone..property taxes are now in the mortgage payment so no $7500 prop tax bill each april.. $400/mo less total bills but were back on a 30 year loan...sounds great but 10 years of paying the mortgage are up in smoke...I'm sure ill feel better when I see the credit card bill at 0..