by Rich Clower We all think we do the best we can when it comes to our finances. We think we are saving money, but we never sit down and do math. You may be surprised if you do. Here are the top five money-saving myths that fall for: 1. Savings accounts save us money When you refinance your home, you surely are not saving that much money in the long term. Yes, your monthly payments are lower, but you refinanced for another 30-year term. This means that if you have already paid 10 years o