how about our financial health? joining us, our chefs of finance, chief business correspondent christine romans and cnn economic analyst hana ga rather ra. what we want to do, we often say, lower credit card debt and spend less money. but there's more involved things we can be aware of, and you're going to walk us through some of the resolutions we need to be making. >> absolutely. it's a new year. i always say new year's and your birthday, the two times you really look at your money. twice a year. new year's and your birthday. >> and i need to buy myself a nice something for my birthday. talk about mortgage rates. what do predict is going to happen for those thinking of buying a home, refiing, any of that? >> you'll hear about how mortgage and interest rates are rising, true, but mortgage rates will rise slowly and well below the historical average for post-world war ii.