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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14830 E Rhoads Court Fountain Hills, AZ 85268

$1,950,000
4 Beds
4.5 Baths
4,185 SqFt
Status Active
MLS # 6641512
Property Type Single Family Residence
Price Type --
'''Artistic Seclusion'' a Frank Lloyd Wright inspired contemporary estate, tucked in the west end of Sunridge Canyon and backed on two sides by public land, Offers first-class privacy and luxury living. This property is double gated and has a private long driveway from the cul-de-sac to the main building. The modern fusion of steel and glass creates a striking contemporary impression. The main entrance features an artistic 18-foot iron/glass door and the garage entrance is equipped with an electric lift to the open space grand room which, with extra high ceilings, features a hidden TV behind artistic metal panels over the fireplace and high walls of glass all covered with motorized blinds. The chef's kitchen boasts imported Italian cabinets, luxury Gaggenau and Thermador appliances and stainless countertops, dual raised bars, and more. All rooms are built in a circle around a central courtyard with artistically designed two-tier waterfalls, rocks and plants. The glass walled corridors around the courtyard are equipped with gallery grade picture hanging tracks and spotlights to present the owner's art collections. All guest rooms are as spacious as the master bedroom and each has its own in-suite bath and patio. The estate is surrounded by lush foliage. The backyard oasis includes a sparkling pool with motorized pool cover, heated spa, firepit and an outdoor kitchen. The estate is adjacent to Sunridge Canyon golf course and The Club at Adero, and is 10 minutes to Mayo Clinic.

2211 E Camelback Road Unit 407 Phoenix, AZ 85016

$1,950,000
3 Beds
4 Baths
3,904 SqFt
Status Active Under Contract
MLS # 6654873
Property Type Apartment
Price Type --
Seller is extremely motivated! With by far the lowest price per sq.ft. compared to other luxury highrises. The ultimate in luxury hi-rise living in the heart of Biltmore. Amenities include everything from rooftop pool, entertaining space both rooftop and ground floor with walk-out patio, utilities, valet, front desk, and dog park. Two combined units make this the ideal floor plan. The benefits of high-rise living without losing open living space. Updated appliances, repainted, office/den, plush carpeting in bedrooms, junior master suite, oversized walk-in master closet, double balconies, high ceilings, 3 parking spaces, parking garage storage, secured building, minutes to everything Biltmore has to offer. The list goes on! This is a must-see! Owner downsizing to a 3000 sqft unit.

23188 N 79th Way Scottsdale, AZ 85255

$1,950,000
3 Beds
3.5 Baths
4,445 SqFt
Status Active
MLS # 6705462
Property Type Single Family Residence
Price Type --

7471 E Sunnyvale Drive Scottsdale, AZ 85258

$1,950,000 - 4Br/4Ba -  for Sale in Gainey Village Villas, Scottsdale
Open House
$1,950,000
4 Beds
4 Baths
3,472 SqFt
Status Active
MLS # 6745482
Property Type Single Family Residence
Price Type --
The best of everything! Full 2023 renovation with on-trend design & finishes, guard-gated security, 3CG, & a premium lot steps from gym/Shops at Gainey Village. The 21' high great room is filled with natural light. European white oak floors & LED lighting throughout the home. Open concept kitchen features Azzurra Bay quartzite stone counters. Fisher & Paykel appliance package includes induction range & Alder cabinet front fridge/freezer. Main level offers ensuite bedroom & den/optional 5th BR. Large primary suite features luxurious bath w/ steam shower, soaking tub, dual vanities + makeup counter, custom WIC cabinetry. Rare, deep yard is private w/ turf, pool, BBQ & fruit trees. Amazing house that will appeal to lock-n-leave buyers & those looking for turn-key within 3C's school district.

31550 N 70th Street Scottsdale, AZ 85266

$1,950,000 - 4Br/4Ba -  for Sale in Scottsdale/no Hoa, Scottsdale
Open House
$1,950,000
4 Beds
3.5 Baths
3,876 SqFt
Status Active
MLS # 6757631
Property Type Single Family Residence
Price Type --
This property is the one you've been waiting for! It is located in magnificent North Scottsdale on 2.5 acres & has no HOA. It comes with a detached casita, an additional garage plus a RV garage. The property offers easy access to Scottsdale Road, the 101, and the towns of Cave Creek and Carefree. 70th St is paved & the extra large half-circle driveway has been redesigned and landscaped. One acre of land is still available for building, and the property is zoned for horses. The main home at 2968 sf features a family room w/ a built-in office, wet bar & wine room. The primary bedroom is very spacious with 12+ foot ceilings, another office, a sunny sitting room, jetted tub & an oversized walk-in closet. There are four newer HVAC systems. The detached casita is an additional 908 sf & can... serve as a perfect space for an extended family, a home business, an art studio, etc. An attached garage and an RV garage are large enough to fit a Class A coach. Plus, there is additional slab parking. The courtyard exudes a resort-like ambiance, making it a perfect retreat for relaxation and entertainment. The rooftop observation deck offers breathtaking sunset views, while the propane fire pits create a warm and inviting atmosphere. With a covered patio equipped with misters and a BBQ area, it's an ideal setting for gatherings and enjoying the outdoor Arizona lifestyle. Nearby, you'll find some of the finest dining and shopping options in Scottsdale, with Kierland Commons and Scottsdale Quarter just a short drive away. Outdoor enthusiasts will appreciate the proximity to Pinnacle Peak Park, offering hiking trails with stunning views. Additionally, top-rated schools and world-class golf courses are conveniently located in the area, making this property an ideal choice for a variety of lifestyles. This private and enchanting property is ready for you, your family, your toys, your home business, your art studio, your RV/coach, and your horses. Make it yours today! Professional photography is coming soon.

6413 N 31st Street Phoenix, AZ 85016

$1,950,000
3 Beds
3.5 Baths
3,616 SqFt
Status Active
MLS # 6761884
Property Type Single Family Residence
Price Type --
PRICE REDUCTION! Welcome to this timeless, contemporary, and completely reimagined Biltmore Hillside Villa, boasting over $500K in interior/exterior renovations and premium upgrades. Step inside and be greeted by soaring ceilings that offer bright, natural light throughout the open living spaces. Discover the thoughtfully and totally reconfigured kitchen, featuring a massive center island, state-of-the-art appliances, gas cooktop, custom hood, and a window package with manual, remote, and smart-controlled operation. The elegantly designed wet bar with oversized wine fridge, ice maker and sink provide ample space for additional entertaining. An oversized walk-in butler's pantry has been added and includes a center island for additional storage and convenience. Oversized Belgian bluestone tile flooring leads you to the updated bonus room and completely transformed powder room. Upstairs you'll find additional, significant renovations and upgrades, including the conversion of a Jack and Jill bath into private en suites, and ample walk-in closet spaces. The conveniently located and oversized laundry room includes an abundance of floor-to-ceiling cabinetry and built-in storage. Enter the luxurious primary suite with its spacious walk-in closet and indulgent, spa-like bathroom, complete with coffee bar and beverage fridge. The jaw dropping oversized shower, soaking tub, vanities, and makeup station provide the ultimate retreat for relaxation and rejuvenation. The serene backyard has been completely transformed into a peaceful retreat with new pool, elegant limestone decking, turf accents, and newly built gas BBQ station, perfect for quiet relaxation or private outdoor entertaining. Recap the day, tell stories, and share memories by the new built-in gas firepit or under the covered patio. 24/7 guard-gated security; exclusive access to hiking trails on Piestewa Peak; minutes from the Biltmore Resort, golf courses and new clubhouse, and some of the Valley's hottest and world renown restaurants and retail destinations; adjacent to Paradise Valley, yet centrally located with easy access to SR-51, Downtown Phoenix, North Scottsdale, Old Town Scottsdale, and Phoenix Sky Harbor Airport. Just to name a few, these are some of the reasons this highly sought-after community is the ultimate in luxury living.

5141 N 35th Street Phoenix, AZ 85018

$1,950,000
4 Beds
3 Baths
3,707 SqFt
Status Active
MLS # 6762208
Property Type Single Family Residence
Price Type --
Updated Arcadia ranch style home in the sought after Biltmore Heights neighborhood on an oversized private corner cul-de-sac lot. Indoor/Outdoor living at its finest with a front courtyard to take in Arizona sunsets, great room living with french doors leading to the spacious backyard with artificial grass, heated pool, multiple patios, built in bbq, putting green, and views of sunrises to start your day. Open floor plan in the main living area with a great room for formal or informal gatherings, updated kitchen with breakfast bar, large Owners Suite with access to the pool, 3 guest bedrooms, 3 full baths, large laundry room/craft room, detached art studio or office, and air conditioned third car garage currently used as workout room. Brand new roof and newer HVAC units. Conveniently located to some of Phoenix's best restaurants, shopping, and the Arizona canal path.

6504 W Avenida Del Sol -- Glendale, AZ 85310

$1,950,000
5 Beds
5 Baths
4,619 SqFt
Status Active
MLS # 6763614
Property Type Single Family Residence
Price Type --
Welcome to this stunning luxury custom home located in the exclusive gated subdivision of Burning Sky Ranch. This magnificent residence is built for entertaining. Mountain views, on a 19,142 sq ft lot and features 4 bedrooms and 4 bathrooms in the main house, plus a 410 sf casita for an additional bedroom and bathroom. The home boasts soaring ceilings, a gourmet kitchen with top-of-the-line appliances, and a 4-car garage. The resort-style backyard is an entertainer's dream, complete with a 950 sq ft pool and spa, fire accents, and a putting green. The front gated courtyard offers a pizza oven, Green Egg BBQ, gas BBQ, professional griddle, extended granite counter, gas fireplace, and water features. This property seamlessly blends elegance, comfort, and modern amenities.

6525 E Cave Creek Road Unit 18 Cave Creek, AZ 85331

$1,950,000
4 Beds
4.5 Baths
3,502 SqFt
Status Active
MLS # 6764016
Property Type Single Family Residence
Price Type --
Indulge in the epitome of luxury living with this impeccably crafted residence nestled in the heart of Cave Creek's coveted Hidden Rock community. Offering a seamless fusion of contemporary sophistication and timeless charm, this home is a true masterpiece. Step inside to discover a captivating open floor plan, adorned with soaring ceilings that invite natural light to dance throughout the space. The gourmet kitchen, a culinary enthusiast's dream, showcases top-of-the-line Thermador appliances and a magnificent 8-foot wine fridge, elevating every cooking experience to new heights of culinary delight. Designed for ultimate comfort and convenience, the ground floor boasts not one, but two master bedrooms, providing unparalleled flexibility and privacy. Ascend the staircase to find two additional master suites, each exuding a sense of opulence and tranquility, along with a versatile loft area that beckons for moments of relaxation or entertainment. Outside, a haven of serenity awaits, where meticulously landscaped grounds blend harmoniously with the surrounding natural beauty. Take in breathtaking mountain vistas from the front deck, or retreat to the rear deck to marvel at the awe-inspiring sight of Black Mountain, a majestic backdrop to your daily adventures. The backyard is a sanctuary of leisure and luxury, featuring a picturesque blend of stone accents and lush artificial turf, creating an idyllic setting for outdoor gatherings or quiet moments of reflection. Immerse yourself in pure bliss as you unwind in the private inground spool/hot tub, enveloped by the soothing embrace of warm water and starlit skies. Conveniently located just moments away from a myriad of coffee shops, restaurants, and boutique stores, this home offers the quintessential Cave Creek lifestyle. Don't miss your chance to experience the pinnacle of elegance and exclusivity in this exceptional Hidden Rock retreat.

4678 N Bear Flat Road Payson, AZ 85541

$1,950,000
6 Beds
4 Baths
4,378 SqFt
Status Active
MLS # 6765214
Property Type Single Family Residence
Price Type --
Retreat on Tonto Creek. It was just a 700 SF cabin when Bill bought it in January 1973, but it sat high above Tonto Creek in a small enclave called Bear Flat. Over the years, Bill traveled the world as an executive in the hospitality industry, but no matter the exotic destinations he visited, he always returned to Bear Flat. Its allure, its remoteness, its peace, fulfills its residents. Once you've been to Bear Flat it enters your blood; you find yourself drawn to its beauty. Over the years, there were several additions. The great wall and steps down to the creek were built by Bill and his sons with stones gathered from the surrounding land. Today this retreat on Tonto Creek includes a large island kitchen, over 200 feet of view decking, a treehouse and over 700 square foot garage.

455 N 39th Way Mesa, AZ 85205

$1,950,000
5 Beds
5 Baths
5,930 SqFt
Status Active
MLS # 6765539
Property Type Single Family Residence
Price Type --
Discover timeless sophistication in this beautifully renovated Mesa estate, offering over 5,000 square feet of luxurious living. This Estate was completely transformed in 2018, blending modern conveniences with refined elegance. Amenities include dual gas water heaters, newly upgraded 400-amp electrical panel, & the advanced Control 4 system for home automation, security, & sound. The heart of the home, a chef's dream kitchen, features a La Cornue French gas range, a spacious butler's pantry for ample storage. New 2018 air conditioning units & additional 2022 AC unit in the garage. Exterior exudes charm with stonework sourced from Texas & Oklahoma. No HOA! Horse privileges! This property offers the perfect blend of luxury, privacy & freedom.

6711 E Flat Iron Loop Gold Canyon, AZ 85118

$1,950,000
3 Beds
3.5 Baths
4,078 SqFt
Status Active
MLS # 6766438
Property Type Single Family Residence
Price Type --
Experience unparalleled luxury in the prestigious, guard-gated Superstition Mountain community, nestled in the serene landscape of Gold Canyon, Arizona. This exquisite one level custom home offers breathtaking views of the iconic Superstition Mountain, surrounded by two exclusive Jack Nicklaus Championship Golf Courses. Every detail of this home speaks of elegance and craftsmanship, from the entry doors to the beautifully rounded Alder doors throughout. Enjoy the warmth of four fireplaces located in the kitchen, master suite, living room, and charming outdoor courtyard as well as a fire-pit area with mountain and sunset views. The media room, equipped with a full-service wet bar and a pass-through ironway, is perfect for entertaining. The gourmet kitchen is a chef's dream, featuring a Wolfe 6 burner range with grill and double ovens. Individual Subzero freezer and refrigerator units, stunning granite countertops throughout and a rich walnut countertop island. The master bath is a retreat, designed for both luxury and privacy, offering stunning mountain views. Crafted by Montara Custom Homes, this residence showcases high-end architectural details in every room, with direct access to outdoor spaces from living areas and all en-suite bedrooms. The home is situated on a low-traffic street, offering both tranquility and privacy. Recent upgrades include new Trane HVAC systems (2013, 2017, and 2024) across three zones, ensuring optimal comfort. New BBQ grill and island with ample seating. This home is a true masterpiece of quality, character, and luxurious living.

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