 You can look at your mortgage. You can look at your insurance. You can look at your taxes. You can be aware of some of the tax breaks out there for property insurance, senior homestead, VA disability. You can dispute your taxes every year on your property, right? Insurance rates have come down since last year. So if you bought a house last year and you locked an insurance rate, guess what? You might want to shop it. It's probably lower this year.