When it announced its latest financial results last week, Westpac noted that many people had taken the opportunity of lower interest rates to get ahead on their mortgages.
Instead of taking a lower repayment when they switched on to a lower rate, they were instead opting to pay off their loans more quickly.
I thought this was interesting because quite often I see people who find their cash flow has improved just fritter away their extra money - rather than putting it to good use.
The economy has been good over the past few years and many small businesses have been doing much better than they ever have been. For some business owners, that's translated to more money in the bank account.
But while some have paid down debt or made other investments, or even paid off the mortgage faster, as Westpac attests, some just seem to increase their spending.