I was afraid you were going to say that. The information is still valuable for the audience even if you are already aware.

Is it too late to ask people for a little help?

You should still consider the house refinance, if you aren't renting. You might be able to dip into your equity a bit and pay down your highest interest loan a bit faster. When I make extra payments I explain them to myself as taking X months off of the loan. It helps me and my family understand why we aren't spending it on improvements or a trip.

Sorry for the delay in responding. I wanted to say something useful and then life interrupted.