refinanced...laugh or cry?

I got a 30 year Mtg in 1994. Paid on it for about 13 years, paying an extra (approx) $100 per month on the principal. Did a refi at that time, for 15 years, and lower interest rate. Also took out an extra $5,000 for a new roof. Kept making the same payments as the original mtg. Last year, I did another refi, for 10 years, at a lower rate, yet. I am still making the same payments as on the original mtg. At this point in time, that is making a double principal payment. If I can continue to make the same payments, the current ten year mtg will be paid of someware between 4 and 5 years, from taking it out. Both refi's had zero closing costs, and am now at 3.25%.
So instead of paying a mtg untill 2024, I should have it paid off sometime in 2017

I have very little credit card debt, less then $1,000.
Time for you to lock your cards in a safe deposit box.