Paid Twice started the idea of snowflaking, and it’s turned into a blizzard all across the pf blogosphere. Since we’ve decided to buckle down and pay off our HELOC, we’ll be putting every little bit of money we can save into our HELOC. We use Vonage for our phone service, and have been paying $31/month including taxes and fees. Last week I got an email from them saying that we could pay for a year of service and save 20% on the total bill. I called them today to get details, and it was a pretty simple process. They charged our credit card for the year, and the total charge was $71 lower than the total we would have paid for 12 months if we had kept paying monthly the way we have been. We’ve been very happy with Vonage, and I have no problem committing to a year with them – we’d have been with them either way, so we might as well get two months free. So there’s $71 we can snowflake to our HELOC.