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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5440 N Calico Drive Camp Verde, AZ 86322

$1,990,000
4 Beds
4 Baths
4,059 SqFt
Status Active
MLS # 6688733
Property Type Single Family Residence
Price Type --
MODERN CUSTOM FARMHOUSE with WRAP AROUND PORCH. Meticulously remodeled in 2023-2024 is situated on 4 acres, No HOA, Registered Well, Oil pipe fence, Barn w/ 4 stalls, Private access to National Forest land, luxurious 4 bedrooms-two being Masters w/ ensuite, conveniently located on main level, 2 oversize bedrooms upper level with dormers,4 Custom Bathrooms with Granite wainscoting on walls, Granite Showers full walls to ceiling, Custom Vanities, Wainscoting on walls in all bathrooms & laundry room, Wood Beams in the great rooms wood steps on stairs,Custom Glass throughout the Farm House & wood beam on stairs has a custom glass window to allows visual through going to upper level keeping that grand open feel to the space, Wrap around porch has 20ft glass slider doors & 8 ft glass sliders on the back of the house to allow beautiful views of Coconino National Forest.National Forest Land, Energy saving sunshades on all windows, Dog friendly Screens on back of home, outside patio for entertaining with fire pit fully enclosed yard for your furry friends. Wonderful breezes keep the outside living comfortable - CLEAN Air - Mountain Views - Quiet - Secure - Private Entrance. 2 New AC/heat units w/warranty, New roof w/warranty, 3 Car Garage, Water Treatment for entire house w/warranty, New lighting, New fixtures throughout, Fire & Smoke Alarms throughout the home. Main level has formal living w/wood burning fireplace & Antique Mantel, Office/Library. Primary Master offers Gas fireplace with Full Feature Wall of Granite with 80 Flat Screen TV, Elegant chandelier lighting, Sitting area, Custom Master Bathroom floor to ceiling marble & marble Wainscoting on walls throughout the master bathroom, Master Closets HERS & HIS in primary master. Makeup Vanity with Elegant chandelier lighting, Double Sink Antique Vanity with Huge Custom Mirror Grand living space provides ample seating with a great room, dining room, boasting a gourmet kitchen with Wolf Induction 5 burner cooktop, Commercial size refrigerator/ freezer, farmhouse copper sink, double ovens, hightop bar and breakfast bar, granite counters and abundant storage. Custom Knotty Alder doors throughout Kitchen & House, Laundry/mud room equipped with a front-load washer and dryer, living/dining area has 20 ft. slider & 8 ft slider glass doors creating a seamless Indoor-Outdoor Living Space. Upper level, TV Theater Room, with Walkout DECK provides you with Direct access to the balcony to watch sunsets with panoramic mountain views & STARS Wet Bar for snacks with your movies in addition you'll find two additional bedrooms, one with dazzling chandelier lighting, additional bath w/ walk-in shower, loft/media room complete with 2 built-in desk spaces inside the dormers plus a refreshment bar w/wine drink fridge, microwave and cozy Wood Burning Fireplace. New OIL PIPE FENCE $100,000 in fencing leveled and planted with wheat fertilize soil for growing pastures, crops 4 Stall Horse Barn 4 Turnouts for your horses Property - (1) registered well domestic (1) registered irrigation well 6 Miles from I 17 on paved roads until you get to the Private Entrance to the Equestrian Estate AMAZING Access to breathtaking panoramic mountain views of the majestic Red Rocks of Sedona, adjacent Coconino National Forest, views of the Prescott National Forest,Flagstaff's Snow Bowl San Francisco Peaks and Lights of Historical Jerome. Unobstructed Views you are surrounded by National Forest one will ever build in your view. Private & Direct access to the Verde River that stretches 18 miles meandering through town limits, the winding waterway creates a habitat for bald eagles, hawks, blue heron, beavers, and otters... Located in the Napa Valley of Arizona, surrounded by wineries, this property presents the possibility for your own vineyard, become connected with a thriving wine community. Some area attractions include Montezuma Castle is the third National Monument dedicated to preserving Native American culture, Out of Africa WildLife Park, Inflatable Kayak Adventure down the Verde River, Cliff Castle Casino. Western Horseback adventures & Horse Boarding at the Nashwa Farms Equestrian & Event Center Horse boarding stable only minutes from your Custom Equestrian Estate.

22970 N 79th Place Scottsdale, AZ 85255

$1,990,000
5 Beds
3.5 Baths
3,958 SqFt
Status Active
MLS # 6732535
Property Type Single Family Residence
Price Type --
Nestled in the heart of North Scottsdale, this exquisite single-level home epitomizes modern elegance and comfort. Bathed in natural light from numerous skylights, the open floor plan seamlessly blends spaciousness with warmth. The large primary suite offers a tranquil retreat, while three additional bedrooms in a separate wing provide ample space for family or guests. A great room, adorned with a spacious eat-in kitchen featuring stainless steel appliances, serves as the heart of the home—perfect for both casual family meals and elegant entertaining. Outside, the resort-like amenities beckon. A meticulously designed outdoor space boasts a built-in BBQ area, a shimmering pool with a soothing water feature, and a cozy firepit—ideal for enjoying cool desert evenings under the stars. Located within a gated community near Grayhawk and Pinnacle Peak, residents also enjoy access to community tennis courts and a playground, enhancing the community's appeal as a serene and family-friendly enclave. This North Scottsdale gem offers a rare combination of luxury, comfort, and outdoor living, truly a sanctuary in the Sonoran desert.

2662 N Chestnut Circle Mesa, AZ 85213

$1,990,000
5 Beds
4.5 Baths
5,747 SqFt
Status Active
MLS # 6762960
Property Type Single Family Residence
Price Type --
Welcome to your dream home! ideally situated on a prime N Mesa cul de sac lot w/ excelling schools, just 15 min from Sky Harbor Airport.This elegantly remodeled home has 5 spacious bedrooms, 4.5 luxurious baths, large loft, office, bonus room, pool, and 4-car garage. Grand entrance features Restoration Hardware lighting, custom railing, & wood floors throughout, formal living room has a stunning fireplace, huge picture windows fill the space w/natural light. Culinary enthusiasts: large kitchen comes complete w/double islands, double ovens & adjacent family room for gathering. Downstairs primary suite & bathroom is a true sanctuary, w/2-way fireplace and sitting room. Upstairs a huge loft w/balcony, 2 bedrooms, a separate 2nd primary suite, and a private basement bedroom. All new AC units.

37267 Ne Greythorn Circle Carefree, AZ 85377

$1,990,000
5 Beds
4.5 Baths
4,658 SqFt
Status Active
MLS # 6764995
Property Type Single Family Residence
Price Type --
Nestled on a serene corner lot, this stunning 4500 sq. ft. luxury home combines elegance with modern convenience, offering a perfect retreat for those who appreciate the finer things in life. The versatile casita is perfect for guests, in-laws, or a private office, the charming casita offers a cozy bedroom, full bathroom, and kitchenette. This separate space provides both comfort and privacy, making it a valuable addition to the property. As you enter, be greeted by an open-concept layout that seamlessly connects the spacious living room, dining area, and gourmet kitchen. Large windows flood the space with natural light, highlighting the exquisite finishes and custom details throughout. The chef's kitchen is a culinary delight, featuring high-end stainless steel appliances, a large island with seating, and abundant cabinetry. Whether you're hosting intimate dinners or grand celebrations. The luxurious master suite serves as a personal sanctuary, complete with a spacious walk-in closet and a spa-like en-suite bathroom featuring dual vanities, a soaking tub, and a walk-in shower. The expansive outdoor living area is ideal for entertaining or unwinding. Enjoy lush landscaping, a sparkling pool, and a covered patio that invites alfresco dining. The private corner lot ensures peace and tranquility while providing ample space for outdoor activities. Don't miss the opportunity to own this exceptional luxury home with a casita on a private corner lot. Schedule your private showing today and experience the lifestyle you deserve!

9609 E Poinsettia Drive Scottsdale, AZ 85260

$1,990,000 - 5Br/4Ba -  for Sale in La Cienega, Scottsdale
Open House
$1,990,000
5 Beds
3.5 Baths
4,631 SqFt
Status Active
MLS # 6772380
Property Type Single Family Residence
Price Type --
***3 Brand New AC Units, and Fresh Interior Paint*** Step into a world of opulence within this exquisite home, perfectly situated on a sprawling corner lot in the prestigious La Cienega gated community. From the moment you enter, you are greeted by soaring ceilings and large windows that bathe the interior in natural light, creating an inviting and airy atmosphere. The thoughtfully designed split floor plan ensures optimal privacy, making this home a serene retreat. With 5 generously sized bedrooms and 3.5 bathrooms, there's ample space for family and guests. Entertain with flair in the expansive living areas, where a cozy fireplace adds warmth and ambiance, complemented by not one, but two stylish bars for hosting unforgettable gatherings. Culinary enthusiasts will fall in love with the gourmet kitchen, a chef's dream featuring two islands, elegant granite countertops, a stainless-steel gas stove, and a top-of-the-line Sub-Zero refrigerator. The seamless blend of tile and carpet flooring enhances both elegance and comfort throughout the home. Pamper yourself in the palatial master bathroom, where a lavish walk-in shower invites you to unwind in style. The owner's suite is truly a retreat, featuring its own fireplace for cozy evenings, an attached exercise room for fitness enthusiasts, and a spacious walk-in closet that caters to all your wardrobe needs. Step outside to your personal backyard oasis, where luxury living reaches new heights. A shimmering pool sparkles under the sun, while a relaxing spa and cascading waterfall create a tranquil ambiance. Enjoy outdoor gatherings with a built-in barbecue, an outside shower, and a large covered patio perfect for al fresco dining or simply soaking in the serene surroundings. This stunning home is not just a place to live; it's a lifestyle defined by elegance, comfort, and unparalleled luxury.

2759 E Portola Valley Drive Gilbert, AZ 85297

$1,990,000
5 Beds
5.5 Baths
4,190 SqFt
Status Active
MLS # 6774053
Property Type Single Family Residence
Price Type --
Stunning home blends comfort & convenience backing to a private park! Minutes from SanTan Mall, enjoy easy access to premier dining, shopping, & more. Through the iron front door is a spacious interior featuring five en-suite bedrooms with extra half bath. The 16' sliding glass door connects the indoors to your resort-style backyard. Luxuriate in the jacuzzi & pool or bounce on the inground trampoline. Oversized pergola w/ firepit & BBQ w/ sink makes outdoor entertaining easy. Upgrades abound throughout this home! The over-sized primary boasts custom closets and separate shower & tub. The indoor/outdoor audio system ensures you never miss a beat while the lighting system provides accents for security, favorite team colors or holiday fun! Perfect for entertainers or to simply relax in style, this property blends luxury w/ functionality. Gated community, stocked pond, ramada's & pickleball/tennis court.

2041 N Orchard Street Mesa, AZ 85213

$1,989,500 - 5Br/4Ba -  for Sale in Hermosa Groves South, Mesa
Open House
$1,989,500
5 Beds
3.5 Baths
3,655 SqFt
Status Active
MLS # 6776845
Property Type Single Family Residence
Price Type --
Welcome to Hermosa Groves Estates! This brand new, never-lived-in custom home redefines next generation living. The home offers three distinct wings, providing unparalleled privacy and tranquility for residents and guests alike. A 60 foot paver driveway leading to the insulated 4 car garage welcomes you home. At the heart of the home an impressive 21-foot Anderson glass sliding door, merging indoor and outdoor living. The meticulously designed kitchen was built to offer plenty of storage, counter space and functionality. Step out onto a grand porch featuring two evaporative coolers and a series of outdoor fans, ensuring outdoor comfort year-round. This move-in-ready home is waiting for your personal touch to make it uniquely yours. Come experience the unique ambiance in this home today.

4849 N Camelback Ridge Road Scottsdale, AZ 85251

$1,985,000
1 Bed
2 Baths
1,521 SqFt
Status Active
MLS # 6552938
Property Type Apartment
Price Type --
This unique loft style home features 20' ceilings in the living area with spacious indoor/outdoor living and a lower garden/yard. This home is exceptional with its soaring ceilings and phenomenal views of Camelback Mountain. Featuring 1 bedroom, 2 full baths, a den and 2 reserved parking spaces. Tucked at the base of Camelback Mountain, Ascent is a new, private gated residential enclave adjacent to The Phoenician Resort - one of Arizona's premier luxury resorts. Home designs feature contemporary architecture integrating warm, natural materials, expansive windows, stacking door systems opening to a large outdoor patio with fire feature and BBQ Thoughtfully designed by Nelsen Architects and Vallone Interior Design. Luxury finishes include exquisite Bulthaup Kitchens, hardwood floors, ..... Sub Zero-Wolf appliance package, window coverings, washer and dryer are also included. A private rooftop terrace and the Mountain Club pool and fitness facility are amenities Ascent homeowners will enjoy.

2449 W Sunrise Drive Phoenix, AZ 85041

$1,985,000
5 Beds
5 Baths
4,034 SqFt
Status Active
MLS # 6762451
Property Type Single Family Residence
Price Type --
Escape the hustle and bustle of the city just minutes from the heart of it all! Nestled on over 5 acres this 5-bed, 5 bath estate backs up to the Phoenix Preserve, with direct access to South Mountain's hiking trails from your backyard. Panoramic 360-degree mountain views, enjoy peace and tranquility as you gaze out over the city in this serene desert retreat. This home is an entertainer's dream, with a sparkling diving pool, built-in BBQ, and an expansive backyard designed for hosting family and friends. Step inside to find a beautifully updated interior with a chef's dream of a kitchen. Adding to its appeal, the property includes a separate 1-bedroom, 1-bath suite with its own kitchen, living room, and views. Experience resort-style living & close to everything Phoenix has to offer! This exceptional estate spans three separate parcels totaling 224,118 sq ft (5.14 acres), providing ample space for outdoor activities and privacy. With individual parcel sizes of 81,108 sq ft, 55,896 sq ft, and 87,114 sq ft, there's plenty of room for your imagination. The guest attached guest suite is 622.5 sq ft of the total 4,034 sq ft. There are 1,261 sq ft of outdoor covered living area. The expansive lot allows for parking toys, housing horses, or creating customized landscaping. The interior boasts newer flooring and fresh paint throughout, enhancing the home's appeal. This property truly offers a unique combination of tranquility and convenience, all while being just minutes from the vibrant offerings of Phoenix!

12328 E Black Rock Road Scottsdale, AZ 85255

$1,983,995
3 Beds
3.5 Baths
2,860 SqFt
Status Active
MLS # 6708931
Property Type Single Family Residence
Price Type --
*NEW CONSTRUCTION: SPRING 2025 COMPLETION. Interior Finishes have been added!* Stunning Callum floor plan with Modern exterior under construction on an elevated home site! Gorgeous 13' ceilings, a casita with private entrance and 3 outdoor spaces are some of the reasons this plan is a top seller. Professionally designed, tasteful neutral color scheme. Additional upgrades include SS Wolf appliances, a double oven, 48'' Sub Zero Fridge & extended Kitchen island. The great room has a 72'' linear fireplace & a 16' multi-slide pocket door, perfect for cozy nights at home. This is the low-maintenance, LUXURY, lock & leave home you have been waiting for! Located in the stunning guard-gated community, Sereno Canyon. The ultimate resort lifestyle community in North Scottsdale by Toll Brothers. Come take a tour today!

1231 Redwall Way Williams, AZ 86046

$1,980,000
5 Beds
4.5 Baths
4,600 SqFt
Status Active
MLS # 6728019
Property Type Single Family Residence
Price Type --
Welcome to an extraordinary mountain lodge in the prestigious gated community of Escalante at Williams Mountain, offering all city utilities and easy access to I-40. This 4,500 sq. ft. home was designed by Sedona architect Gary Hassen from Kiva Associates. He designed the home to be Firewise with 2 outdoor gas fireplaces on the patio and to be nestled into the land. The home is surrounded by .79 private acres of oak trees, ponderosa pines, boulders, a seasonal creek and waterfall. This property is a nature-lover's paradise with access to dedicated Williams Mountain hiking trails. The home is visited by deer and elk, plus nesting eagles and redtail hawks. The lots on either side of the property are available for purchase and if combined, will have a total of 2.52 private acres. The interior of the home continues with the lodge design with two massive 12 foot high native stone wood burning fireplaces, a hearth room featuring a 1901 refurbished player piano, a large open kitchen with high end appliances, a dining banquette flanked by a wall of windows overlooking the beautiful forest and ravine. The main level also includes a formal dining room, an office, 2.5 baths, utility room, dog run and the primary bedroom. Both the primary bedroom and the main living area open onto a large deck with agrill, a large bar, gas fireplace and stairs to the lower level patio and forest floor.The lower level is designed for entertainment, featuring a pool room, slot machines, a theater room with21 surround sound speakers, a wine room with a 334-bottle capacity, a bunk room, a bedroom, two full baths, a second primary bedroom, and an elevator for easy access to the main level. This level opens onto a large, covered patio with recessed lights for nighttime games, a gas fireplace, and lots of space for aping pong table and other amenities. It also includes a small kitchenette with a sink, refrigerator and microwave . The views from every window are breathtaking and completely private.The home is part of the gated Escalante development, which includes paved streets and city sewer, water, and gas. The HOA fees are just $700 a year, which includes snow removal from the roads and strict enforcement of the CC&R's that protect property values. The home features three HVAC systems, a three-car garage, and a huge stand-up storage area over the garage. The 12 ft. ceilings enhance the beauty of the views through the 287 windows. There are outside speakers on both upper and lower levels, central vac, security system, whole house fire sprinkler system, recirculation hot water system and a leak detection main line shutoff.Why Williams, Arizona? Known for its small-town charm and cool mountain temperatures, Williams is filled with things to do. Elephant Rocks Golf Course is one of the most beautiful courses in Arizona. Two small lakes feature walking trails, kayaking and great fishing. The town hosts events year-round, from car shows and motorcycle rallies to rodeos and golf tournaments. Bearizona and the Canyon Coaster are great places to visit year round. The magnificent Grand Canyon and Snowbowl ski resort are only 60 miles away.Williams central location and great roads allow for easy drives to Las Vegas, Los Angeles, Phoenix, Lake Havasu, Lake Mead and Lake Powell. Christmas in Williams is magical, with thousands of lights and a special Christmas parade. Visitors from around the world come to experience the Polar Express and thetrain ride to the Grand Canyon. You are wanted in Williams is a theme that proves true to all who come here.

11547 E Cavedale Drive Scottsdale, AZ 85262

$1,980,000
5 Beds
4.5 Baths
3,869 SqFt
Status Active
MLS # 6754980
Property Type Single Family Residence
Price Type --
200,000. price adjustment. Owner invested over 500,000. in this flawless 2023 remodel including a full roof replacement. Find privacy and tranquility at the elite gated enclave of Desert Summit. Perfectly nestled on a generous .713-acre lot presenting unparalleled mountain vistas. A sanctuary of comfort and elegance, this home is luxuriously designed with impeccable attention to detail. Enter through the large private courtyard, the grand welcoming foyer is flanked by a substantially sized living room and a splendidly designed formal dining room. This bespoke home features 3869 sq. ft., 4 generously sized bedrooms, office/den, 4.5 bathrooms and a private Casita. The graceful primary suite is designated as your posh sanctuary, indulge and pamper yourself in this lavish spa like setting. Perfectly appointed Chef's kitchen, equipped to satisfy the needs of a professional Chef, an outstanding oversized dramatic black Quartz island, extensive black Quartz countertops, full height tile backsplash, magnificent cabinetry. Ultra deluxe Jenn Air appliances, custom crafted range hood, Italian porcelain flooring and more. An entertainer's dream is the idyllically positioned chic wine tasting area with controlled storage for 300 bottles of wine. The exquisite great room perfectly accommodates large gatherings or intimate family events, boasting a custom fireplace, abundant windows exhibiting sensational panoramic views. Revel in your private Arizona Style backyard Oasis highlighting a large covered patio, extensive travertine pavers. Al-fresco dining and seating, an impressive pool and waterfall, alluring spa, putting green, ultimate outdoor grill-island and an amazing tiered view deck to enjoy magnificent sunrise to sunset views of coveted Troon Mountain and Pinnacle Peak.

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