Reduced rates

I just got an after-the-fact rate-reduction on my renter's insurance. Some crazy person named Margie who doesn't pay her garbage bills had somehow gotten onto my credit report back when I was first buying insurance, and I had received a "bad credit" ding that raised my rates. But now my credit report is fixed, and my rate is back down, and they're giving me the reduced rate.

There's a $27 difference between the two rates (per year). Think of all the things I can do now with this unexpected windfall! (I mean, "a penny saved is a penny got," right?) Okay, maybe not. But hey. A refund's a refund. I'll take it.