Get Your Mortgage Paid Down Faster With These 5 Simple Money Saving Strategies

Get Your Mortgage Paid Down Faster With These 5 Simple Money Saving StrategiesThe monthly mortgage payment can be burdensome for many, but it’s possible you’ve thought of trying to pay it down more quickly. Without getting a new job or working overtime, here are some tips you can use on a daily basis to save additional funds and pay off your mortgage at a swifter rate.

Make Your Lunch

The five or ten dollars spent on lunch might not seem like a lot, but over time this amount adds up to a lot of savings. Instead of hitting the cafe, pick one or two nights each week to prepare a lunch for yourself so you can skip the daily expense.

Take A Coffee To Go

Like lunch, coffee is another thing that can end up costing a lot of money. However, instead of going for the two-dollar cup, make a pot before you leave for the day or opt for the office coffee instead. If you prefer yours on the go, you can always make it a once-a-week treat.

Avoid The Impulse

This might seem like a hard one to stick with, but instead of buying something because you want it, sit on it for a day or two and see if it still appeals to you. In all likelihood, the desire to purchase will pass and you’ll manage to keep more money in the bank.

Read The Flyers

Items like groceries may be a necessity, but that doesn’t mean that you have to buy the first thing you see. From fruits and vegetables to packaged goods, there are plenty of food items that go on sale all the time. By the time the month is out, you’ll be surprised how much you can save just by shopping around.

Skip The Cell Phone Plan

For most people, having a cell phone is a necessity these days; however, there are ways that you can get around the high costs that are often associated with smart phones. Instead of going for the expensive plan you have, settle for a little bit less service and talk to your provider about deals they can offer you.

It may seem like paying a higher monthly amount on your mortgage is impossible, but there are little ways to save each day that can help you pay it down faster.  For more tips on home ownership give me a call – J.P. Cook – 602-320-4253.

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7537 N Lakeside Lane Paradise Valley, AZ 85253

$7,779,000
5 Beds
5.5 Baths
5,473.73 SqFt
Status Active
MLS # 6738223
Property Type Single Family Residence
Price Type --
Rarely available single level hillside home in the most prestigious gated community in Paradise Valley. This single-level modern contemporary masterpiece offers stunning views of Camelback Mountain day and night. Solid walnut doors with brushed aluminum inlays, custom cabinets, and Brazilian teak accents adorn the interior, complemented by a standing seam metal roof. The chef's kitchen features limestone/Spekva Wood countertops from Sweden & Thermador appliances. The kitchen seamlessly connects to the Great Room: Open the motorized doors to the resort-style pool area on one side, and the outdoor kitchen on the other for a true indoor/outdoor lifestyle and enjoy views of Camelback Mountain and the city lights of Phoenix. The extra large master bath features Carrera Marble and views of the Phoenix Mountain Preserve. Other key features include: - High ceilings for a bright, spacious and airy modern feel - Motorized sliding doors for seamless indoor-outdoor living - Rare single-story layout on a hillside - Tesla solar panels (owned) - Desirable 5 bedrooms and 5.5 baths with a split floor plan - Separate catering kitchen - Venetian plaster walls throughout - Resort-like outdoor space with an outdoor kitchen and negative edge pool with seperate negative edge spa - Spectacular mountain and city views Efficiency meets luxury with foam insulation, 16 SEER HVAC, tankless water heaters, owned Tesla Solar Panels, and LED lighting. This South Facing Home has Misted covered Patio, Negative Edge Pool, Spa and Firepit with breathtaking views... all in rare single -level design.

9848 E Parkside Lane Scottsdale, AZ 85255

$7,775,000
5 Beds
8 Baths
7,801 SqFt
Status Active
MLS # 6763307
Property Type Single Family Residence
Price Type --
Almost a $1MM Price Improvement! Discover the allure of the boutique gated and guarded community of Arcadia at Silverleaf with this exquisite modern Spanish Colonial custom estate, nestled on a prime elevated corner lot overlooking one of Arcadia's iconic parks and showcasing panoramic McDowell Mountain views. Throughout the residence, modern Spanish influences are displayed in the form of bespoke tiles, stone and wood floors, exposed beam ceilings, limestone fireplace surrounds, modern LED lighting, designer wall coverings and meticulously crafted custom cabinetry. Spanning over 7,800 square feet, a true split floor plan with Primary Retreat and Guest Wing flanking the heart of the home. Voluminous central gathering areas flow openly to gracious living room, gourmet kitchen, theater, full-service bar, wine room, formal dining, and an airy curvilinear breakfast room with soaring ceilings and window-wrapped walls. Generous Primary Retreat Wing on main level with sitting area and romantic fireplace offers the ultimate luxury experience. Indulge in the spa-like amenities including free-standing lounge tub, oversized shower, dual water closets, two dressing rooms and a 2nd washer/dryer. Inviting Guest Wing comprises an upper level lounge and covered view patio, with 3 ensuite guest rooms and a main level attached multi-room casita. Beyond its aesthetic appeal, this residence transforms into an entertainer's haven. Revel in the best of Arizona luxury living with alfresco amenities including kitchen and bar pass-thru windows for outdoor entertaining, multiple covered patios for gatherings, enchanting fountains, fire features, a vast lawn expanse, and a sparkling saltwater spa and lap pool. An immaculate, timeless masterpiece with architecture and interior finishes by Candelaria Design. This is a distinctive property for the most discerning buyers. Home Highlights: 7,801 Square Feet - Split Floor Plan 0.53 Acre Elevated Lot - Park Side 5 Bedrooms 6 Full Baths; 2 Powder Rooms 9-Seat Theater Executive Office Private Fitness Room Curvilinear Breakfast Room with Soaring Ceilings Guest Wing Guest Lounge w/Covered View Patio Casita w/Private Den on Main Floor Gourmet Kitchen Butler Pantry & Café Bar Full-Service Bar with Passthrough Windows Control4 Saltwater Pool & Spa Expansive Grass Lawn Space Tranquil Entry Fountain 4-Car Garage Note: Upper level offers; executive office, fitness room, guest lounge with patio and 3 guest suites. All other rooms including the attached Casita are on the main floor. *Information provided by 3rd party is deemed to be reliable but it is not guaranteed. Recipient to verify all facts independently.

41477 N 95th Street Scottsdale, AZ 85262

$7,750,000
4 Beds
4.5 Baths
4,740 SqFt
Status Active
MLS # 6696330
Property Type Single Family Residence
Price Type --
Full Golf membership Available. Welcome to your slice of paradise in the prestigious Saguaro Forest at Desert Mountain! We are thrilled to present to you an exclusive opportunity to own a stunning home nestled along the 15th hole of The Chiricahua Golf Course. Imagine waking up to breathtaking views of the surrounding mountains and the lush greenery of the 15th fairway, all from the comfort of your own home. This large, acre-plus homesite offers elevated vistas and close-in views of the 15th green, ensuring both privacy and an abundance of open space. With a wide desert arroyo separating your homesite from the golf green, you can enjoy peace and tranquility while still being immersed in the beauty of the natural landscape. Construction has already commenced on this magnificent new build home, designed and built by the esteemed team at Graffin Design and Black Stone Development. This contemporary masterpiece boasts everything today's discerning buyers seek in a luxury residence. With a thoughtful layout that eliminates interior steps, the home features 4 spacious bedrooms, 4 ½ baths, an office, and a massive pantry that can pull double duty as a scullery. The heart of the home is the expansive great room, seamlessly connected to the outdoors through walls of glass and multi-slide door systems. Indulge your inner chef in the gourmet kitchen, equipped with the latest high-end appliances and cutting-edge finishes. From there, step outside to the patio, pool/spa, and outdoor kitchen, where you can entertain guests or simply unwind in the desert breeze. With construction well underway, there's still time to customize finishes to your liking and make this home truly your own. Whether you prefer sleek minimalist designs or cozy rustic touches, our team is here to bring your vision to life. And when you're ready to explore beyond your doorstep, Desert Mountain offers a wealth of recreational opportunities. Bike or hike along over 20 miles of multi-use trails, immersing yourself in the stunning Sonoran Desert landscape. Tee off at one of seven world-class golf courses, each offering its own unique challenges and breathtaking views. For dining and socializing, the Chiricahua and Cochise Geronimo Clubhouses are just a stone's throw away, offering gourmet cuisine and an array of social events. Stay active at the Sonoran community fitness facility, or pamper yourself with a relaxing spa treatment at the Desert Mountain Spa. With seven clubhouses and seven golf courses to choose from, you'll never run out of options for leisure and entertainment. Whether you're seeking outdoor adventure, culinary delights, or simply a place to unwind and relax, Desert Mountain has something for everyone. Don't miss out on this unparalleled opportunity to create your Desert Mountain dream lifestyle. Enjoy a private tour today and experience the beauty and luxury that await you in the heart of the Sonoran Desert.

8353 N 58th Place Paradise Valley, AZ 85253

$7,750,000
5 Beds
7 Baths
8,768 SqFt
Status Active
MLS # 6765153
Property Type Single Family Residence
Price Type --
This unique 8,768 sq ft villa is on a tranquil cul-de-sac adjacent to 5-acre estates. The lush grounds have flowering pots, multiple patios an expansive lawn, mature landscaping, a sport court + resort-style pool and spa. Step into luxury thru the grand foyer, where a black and white marble checkered floor and gilded staircase set the tone for the exquisite PARISIAN INTERIOR. Fabulous French handmade wallpaper, drapes, lace curtains + wood floors guide you through this home. The estate captivates with its unique architectural details + vaulted ceilings. The kitchen exudes the charm of an authentic Parisian bistro which opens to a mahogany paneled family rm with fleur-de-lis stained glass windows, a pub bar + a stone wine rm that seats 8. In 2014 an engineer drew a conceptual plan to add 2 more garages plus an art studio which might also be a total of 6 car garages. We've been informed they went to the town at that time for preliminary approval. Buyer to independently verify all information.

5842 E Redwing Road Paradise Valley, AZ 85253

$7,745,000
5 Beds
5.5 Baths
8,306 SqFt
Status Active
MLS # 6692132
Property Type Single Family Residence
Price Type --
Nestled between Mummy and Camelback mountains, this meticulously maintained estate showcases authentic Santa Barbara architecture and timeless design. Every detail created by skilled artisans, it features exquisite millwork and cabinetry - all crafted on site. Privately set on a tranquil Paradise Valley cul-de-sac, the home features a circular driveway, flowing fountain, gated entry courtyard with exposed terracotta roof tiles and red brick columns...reminiscent of the famed Royal Palms Resort. Ideal for entertaining, the chef's kitchen boasts dual islands of butcher's block and Carrera marble atop beautiful cabinetry, with ample seating for 12 and a spacious butler's pantry. The great room, adjacent to the theater with coffered ceiling and plush seating for 8, features hand-hewn trestle beams, a serving bar and wine room, which all flow into the central courtyard. Once outside, discover this charming outdoor space with a shimmering hand-tiled swimming pool, an outdoor kitchen, inviting seating areas with mountain views and a full guest casita. Unwind and relax in the custom spa that can seat up to 12 with cascading fountains from the pergola above. The primary suite features a coffered ceiling, sliding bookcase revealing a secret office, Cantera fireplace, a luxurious bath with dual vanity areas, custom tile, and two walk-in closets. The split floor plan includes three guest suites with en-suite baths and beautiful hand-painted tiles. The hand-painted domed ceilings in the formal dining room and nearby office complement the living room with its boxed barrel-domed ceiling and crystal chandeliers, offering stunning Camelback Mountain views. An oversized four-car garage with ample built-in cabinetry, native plants, fruit trees, and space for a pickleball court or putting green complete this pristine property.

10383 E Rising Sun Drive Scottsdale, AZ 85262

$7,700,000
6 Beds
5.5 Baths
5,814 SqFt
Status Active
MLS # 6727039
Property Type Single Family Residence
Price Type --
FULL GOLF MEMBERSHIP AVAILABLE - NO STEPS IN HOME. 5814 sq ft modern home completed in 2020 has walls of glass for seamless indoor outdoor living. 3 en-suite guest bedrooms plus a library/media room & large loft for grandkids. 3 Car Garage with addl 1 ½ bay for a rec room / man cave. A detached guest home with kitchen, living, 2 guest bedrooms, is perfect for when family or friends are in town. Entry water feature has a fire pit & ''floating'' walkway that leads to the entry door. 400 bottle climate controlled wine display at the dining room. Pocketing sliding glass doors in the great room open up to the resort style backyard with a 50 ft pool, deck fountains & spa. Ceiling heaters for winter & misters for summer, 2 firepits & 85'' TV make the backyard the ultimate entertaining space

9147 N Kober Road Paradise Valley, AZ 85253

$7,650,000
6 Beds
9 Baths
8,522 SqFt
Status Active
MLS # 6758594
Property Type Single Family Residence
Price Type --
Welcome to this privately gated modern luxury estate, set on 1+ acres in the heart of Paradise Valley. Designed for the discerning buyer, this residence offers expansive ceilings & abundance of natural light throughout. Featuring a 30'+ pocket door for true indoor/outdoor living open to the huge covered patio. Wide open floor plan leads to a secluded primary retreat with a private office, steps from sparkling pool & spa. An entertainer's dream, the home boasts an impressive kitchen with a separate prep kitchen, plus an outdoor kitchen & bar for alfresco dining. Spacious ensuite guest bedrooms, large upstairs great room/game room area, a private theatre, a separate guesthouse with garage, pool house, workout room & multi-sport court offering tennis, pickleball & full court basketball.

6809 E Doubletree Ranch Road Paradise Valley, AZ 85253

$7,645,000 - 6Br/7Ba -  for Sale in Hampson-taylor Estates, Paradise Valley
New
$7,645,000
6 Beds
6.5 Baths
7,424 SqFt
Status Active
MLS # 6777658
Property Type Single Family Residence
Price Type --
Introducing a residence which combines the beauty of mediterranean design with the elegance of transitional styling. Total remodel just completed at huge expense featuring the finest finishes, fixtures and craftsmanship available. The home is accessed by a large inner courtyard and immense double front doors lead you into a home of immense quality. The dramatic juxtaposition of modern and traditional is evident with carved stone fireplaces and exposed beam ceilings sitting on new hardwood and tile floors. Featuring formal and casual spaces the heart of the home is a bright open plan living room, dining and stunning sleek gourmet kitchen. The exceptional primary bedroom boasts unique venetian plaster walls along dual bathrooms and closets. The main home includes 4 additional bedroom suites all with bathrooms and one currently used as an office. The rear yard offers outdoor cooking, dining and relaxing around the classic swimming pool and spa. The residence is complete with a spacious guest house beside the pool. Updated without compromise, this home delivers a luxurious lifestyle.

19920 W Verde Hills Drive Wickenburg, AZ 85390

$7,500,000
3 Beds
3.5 Baths
5,339 SqFt
Status Active
MLS # 6527404
Property Type Single Family Residence
Price Type --
Wickenburg's Premier Equestrian Estate on over 100 Acres of lush high Sonoran Desert with Views in all directions. A magnificent custom designed (by Bill Otwell) and built (by Joe Culhane) Main Residence w/Five Patio's and Extensive Landscaping including s custom built Rock Driveway. Custom designed & built detached Garage w/RV Bay. Guest Home, Horse Facilities.

6800 E Caballo Drive Paradise Valley, AZ 85253

$7,500,000
5 Beds
7 Baths
8,866 SqFt
Status Active
MLS # 6746023
Property Type Single Family Residence
Price Type --
This distinguished residence, inspired by the elegance of Santa Barbara and situated in the heart of Paradise Valley, epitomizes luxury with its unparalleled finishes on a secluded and verdant corner lot. The property exudes an impressive street presence, drawing you in with its meticulous details and sophisticated design from the moment you arrive. Inside, the home boasts dramatic high ceilings adorned with custom elements, new designer lighting, and pristine white Venetian plaster, creating an immediate sense of grandeur. The interiors are further enhanced by exquisite stone and wood flooring, Cantera stone fireplaces, and custom furniture-grade cabinetry, all contributing to an ambiance of refined luxury. The formal living and dining areas seamlessly transition to a gourmet kitchen and family room, which features an updated wet bar. Additional highlights include a charming powder room and an 800-bottle wine room, both serving as elegant finishing touches. The ground floor is dedicated to a luxurious owner's retreat, complete with a spa-like bath, expansive dressing areas, and custom-built cabinetry, offering an unparalleled sanctuary. Also on the first level is a fully appointed guest suite, featuring a separate living area, bedroom, and full bath, ensuring a private and comfortable experience for visitors. The well-designed home theatre, equipped with custom paneling and a full bath, adds to the entertainment options available on this floor. A grand foyer staircase leads to the second level, where guest accommodations include a loft corridor overlooking the family room and kitchen. This level offers an ensuite bedroom with a full bath, an additional bedroom with a bath, and a versatile game room and additional laundry-room. The property also features a fully appointed guest house, which includes a spacious living room, kitchen, half bath, bedroom with a full bath, and laundry facilities ideal for live-in family members or long-term guests. The expansive backyard is designed for entertaining and relaxation, featuring ample covered patio space, a refreshing pool and spa, a BBQ area, and lush, mature landscaping. This home is a paragon of elegance and embodies the quintessential Paradise Valley lifestyle.

5915 E Arcadia Lane Phoenix, AZ 85018

$7,500,000
6 Beds
7.5 Baths
8,005 SqFt
Status Active
MLS # 6747724
Property Type Single Family Residence
Price Type --
Stunning 2-level Arcadia estate with Camelback Mountain views located on a quiet street in the Hopi district. Mature landscaping and gorgeous grounds encase this timelessly designed home, perfect for your family. Chef's kitchen includes custom cabinets, high-end stainless steel appliances, butler's pantry, wine room, and large butcher's block kitchen island with open family room, breakfast seating, and additional formal dining room and great room with fireplace. Owner's suite located on main level features seating area, fireplace, private entry to the backyard, dual vanities, freestanding bathtub, oversized shower, and 2 walk-in closets. Second level includes 2 en-suite bedrooms and private lounge. Home features separate guest house and detached media room with full pool bath. Backyard showcases pool and spa, covered patio, large built-in BBQ area with pizza oven and wood burning fireplace, and large grass areas - perfect for entertaining. Enjoy Arcadia and Scottsdale's top resorts, golf, dining, and restaurants just minutes from your new home.

341 E Monte Vista Road Phoenix, AZ 85004

$7,500,000
6 Beds
10 Baths
8,225 SqFt
Status Active
MLS # 6766942
Property Type Single Family Residence
Price Type --
This unique Estate is one of a kind— showcasing a 100% retrofit and new build with the efficiency, technology and security of a modern 2022 Estate along with the elegance and prestige of a classically charming historic registered 1920's home. With more than 7000 sq feet of finished decks it's a perfect venue for upscale gatherings, grand events and raising your family. Upon entering through a stunning oversized glass pivot door, you're greeted by a chic glass floor walkway above with state-of-the-art custom accent lighting that leads you through expansive living areas. The heart of the home is a chef's kitchen designed for the most discerning culinary enthusiasts, featuring custom Heston refrigerators, a 17-element stove, and a custom wine refrigerator. The adjacent living room equipped with floor to ceiling folding glass doors provides an indoor/outdoor experience that captivates the modern yet timeless elegance of this magnificent estate. The wine bar, cigar/china room and sleek elevator add a touch of new age convenience to the home's historic character. Hand selected imported Burmese wood floors lead you to the dining area adorned with crystal chandeliers, all equipped with lift systems for easy cleaning. Guests may enter through the historic entrance greeting them an impressive backlit opal floor and custom spiral glass staircase. For relaxation, retreat to the master suite, complete with a hot tub on the private patio, a mini kitchen, and a wine room. Each bedroom features its own ensuite bathroom and independent AC zone. The property is also equipped with smart home technology throughout, making it easy to set the perfect ambiance for any event. Outside, the Malibu-style backyard features a vast pool with a swim-up bar, custom waterfall and tanning bubbler platform, white sand lounge areas, and an outdoor kitchen equipped for any occasion. Pool also features a spa and a cold plunge. A spa building with a steam shower, sauna, and locker room complements the lifestyle, while a gym with sliding glass doors offers an indoor-outdoor fitness experience. The guest house provides privacy for visitors, with a fully equipped kitchen, custom tile flooring, and sliding glass doors. Every inch of this home has been redesigned with both luxury and functionality in mind, from the hidden TV in the living room to the automatic wine bar and custom-built closets. With its 800-panel APS installation, all-new commercial-grade utilities, and smart home systems, this estate blends historic appeal with cutting-edge functionality. Advanced soundproofing insulation ensures serenity throughout. Reimagined for modern living, this distinguished estate is a work of art honoring the history of Phoenix, while offering the perfect balance of elegance, technology and comfort.

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