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

The 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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40105 N 2nd Way Phoenix, AZ 85086

$1,579,000

5 Beds

4.5 Baths

5,082 SqFt

Status Active

MLS # 6738408

Property Type Single Family Residence

Price Type --

Discover unparalleled luxury & adventure with this Desert Hills estate, offering unrivaled mountain & desert views & direct access to hiking & riding trails. This expansive 5,082 sq ft residence, on a 1-acre lot, features 5 spacious bdrms & 4.5 baths, including well-appointed jack & jill suite. On a private NS facing lot backing onto pristine State Trust Land. The property is an entertainer's dream, with a massive 6-car garage, room for toys & an attached 900 sq ft ADU/multi gen apartment complete with its own kitchen, living, & ensuite. Indulge in outdoor living with a sparkling negative edge pool & captivating waterfall, beautifully designed BBQ area & outdoor fireplace, & 3 covered patios. Full RV hookups & RV gates, three 50-amp service, & a huge upstairs living space with wet bar. Extensive updates with quart countertops in kitchen, stainless GE Profile appliances & new bathrooms, fresh interior & exterior paint, new carpet, & modernized lighting throughout. Bring your animals and toys for this exquisite desert oasis. The location is convenient and the views are amazing.

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21715 N 61st Way Phoenix, AZ 85054

$1,575,000

3 Beds

3 Baths

2,770 SqFt

Status Active

MLS # 6786281

Property Type Single Family Residence

Price Type --

Welcome to the community of Talinn brought to you by Shea Homes. This single level gated home has been gently lived in. It has all the upgrades you could want and still is under the builders 1 year warranty. Terrific gorgeous great room layout has natural wood looking tiled floors throughout. The chef in the family will love the oversized gas cook top, numerous cabinets and expansive island cooking area with quartz counter tops and beautiful waterfall sides. The Master Br is split and there are 2 bedrooms in front, a movie/game room + a flex room. Check out the upgraded bathrooms complete with curb less entry showers. Electric shades in the living area. Custom front door and the center opens up to allow the cool breezes to pass through. . Spectacular gas fireplace in the living area The back yard has endless private views and you will never need to go on vacation again. Enjoy your heated pool & spa. Lots of artificial grass and a custom pergola which adds lots of shade. Built in BBQ and the outdoor TV is installed and ready to watch your favorite events while sipping your favorite drink.

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21062 N 76th Avenue Glendale, AZ 85308

$1,575,000

4 Beds

4.5 Baths

4,042 SqFt

Status Active

MLS # 6734454

Property Type Single Family Residence

Price Type --

SINGLE STORY WATERFRONT luxury property in the beautiful EAGLE HEIGHTS subdivision is now for sale! This stunning, move-in ready property features all the upgrades and amenities you could desire, including private entry courtyard with stone fireplace, 3-car garage, dream kitchen with upgraded cabinets with crown molding, granite countertops, large island with center sink and breakfast bar, stainless steel appliances. All bedrooms very large & each has their own WALK -IN-CLOSET and OWN FULL BATHROOM, spacious master bedroom and master bath with granite counters and his and hers sinks. The great room also includes a triple sliding glass door which allows for indoor/outdoor living and dining. Ideally located, this home is situated in a very desirable area, with quick access to the 101freeway Bulldog(metal) security screens through out the house. Surround sound through the house .A lot of upgrade through the house, such a Venire stone all around house .Extra insulation inside the walls through out the house. Solid wood planks all interior doors. Extra window sills on all windows. This property having two APN's ;APN 200-19-350 also included as part of this sale.

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604 N Grapevine Drive Payson, AZ 85541

$1,575,000

3 Beds

3 Baths

3,844 SqFt

Status Active

MLS # 6781693

Property Type Single Family Residence

Price Type --

Perched on a hillside, nestled in a private cul-de-sac, and within the gates of Chaparral Pines private golf country club, this home boasts spectacular mountain views. The large upper and lower-covered decks provide a perfect backdrop for both relaxation and entertaining. The inviting family room features oak flooring and a cozy pellet stove, adding warmth and charm to this beautiful living space. Conveniently located on the main floor, the primary bedroom has two walk-in closets and a large bathroom with a walk-in shower with tile and stone surrounds, a separate tub, and dual vanities. The walk-out basement includes two additional bedrooms, and a room currently used as an office (not included in the livable square footage), offering versatile space for guests or work. The kitchen is equipped with a gas cooktop, a built-in Subzero refrigerator, and stainless-steel appliances. Recently installed granite countertops add elegance and durability, making this kitchen as functional as it is beautiful. The owners have made a few nice upgrades by adding a golf cart garage that adds extra storage and convenience for golf enthusiasts. Also, the bathrooms have been updated with new granite countertops, adding a modern touch to the home's timeless design. Additional features include Knotty alder interior doors and wood-framed windows throughout that provide a rustic, upscale feel to the home.

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27101 N Palo Fiero Road Rio Verde, AZ 85263

$1,575,000

3 Beds

3 Baths

3,949 SqFt

Status Active Under Contract

MLS # 6757927

Property Type Single Family Residence

Price Type --

Welcome to your dream home, nestled in the highly sought-after Tonto Verde community. GOLF COURSE MEMBERSHIP available for purchase. This bright and energetic 3,949 sq. ft. residence offers breathtaking views of the fairway and Four Peaks from its expansive large windows, allowing natural light to fill every corner. The oversized primary suite offers comfort & space to unwind, while the other two spacious bedrooms provide ample room for family or guests. With 3 full bathrooms, this home is perfect for both everyday living and entertaining. The heart of the home is the open kitchen, featuring a large island ideal for meal prep or gathering with friends. The kitchen flows seamlessly into the living areas, where you'll find a wet bar—perfect for hosting and making memories. Situated on a large lot, the backyard is a true resort style living space, featuring a beautiful pool overlooking the stunning landscape, providing a tranquil escape after a day on the course. Don't miss out on this incredible opportunity to live in a community that combines luxury living with an active lifestyle!

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7151 E Rancho Vista Drive Unit 2006 Scottsdale, AZ 85251

$1,575,000

3 Beds

2 Baths

2,222 SqFt

Status Active

MLS # 6656387

Property Type Apartment

Price Type --

Step into this newly remodeled luxury 3 bedroom, 2 bathroom condo, spanning an impressive 2,222 square feet. Meticulously redesigned and upgraded, this condo offers a blend of sophistication, comfort, and contemporary style. As you enter, you are greeted by a spacious open-concept living area, featuring high ceilings and an abundance of natural light. The living room provides a welcoming space to relax and entertain, with ample room for plush seating arrangements and stylish decor. The kitchen is a chef's dream, meticulously designed with top-of-the-line appliances, sleek cabinetry, and luxurious finishes. It offers a perfect balance of functionality and elegance, making it a delightful space for culinary creations. The adjacent dining area provides a seamless transition for enjoying meals with family and friends. The condo boasts three well-appointed bedrooms, each offering ample space and comfort. The master bedroom is a tranquil retreat, featuring a walk-in closet and a luxurious ensuite bathroom. The additional bedrooms are generously sized and can be utilized as guest rooms, home offices, or a combination of both. The bathrooms have been remodeled to reflect a spa-like ambiance, with modern fixtures, elegant vanities, and beautiful tilework. With 2,222 square feet of living space, this condo also one of the largest patios in the entire community. Amenities include concierge, indoor & outdoor heated pool and spa with women and men's locker room, fitness center, racquetball & basketball court. Walking distance from Scottsdale Fashion Square Mall, Old Town, restaurants, & so much more

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21151 E Mewes Road Queen Creek, AZ 85142

$1,575,000

5 Beds

5 Baths

4,559 SqFt

Status Active

MLS # 6755707

Property Type Single Family Residence

Price Type --

Welcome to your dream home! This stunning property features a main residence (3,525) with 4 bedrooms, 4 bathrooms, great room, a versatile bonus room, a cozy den/office, and a 4-car garage. Enjoy the outdoor oasis with a sparkling pool, garden areas, and views of the San Tan Mountains. Guests will love the 1,034 sqft casita, complete with a modern kitchen, great room, and bedroom w/ walk-in closet w/ stackable washer and dryer and 2 bathrooms. This private retreat is perfect for hosting visitors with their own space. Bring your horses to this charming neighborhood with ample space to add a sports court or other additions. It's the perfect blend of country charm and modern convenience. Close to Queen Creek shopping/dining. Freshly painted, come see!

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3011 Avienda Del Sol -- Lake Havasu City, AZ 86406

$1,575,000

4 Beds

3 Baths

2,418 SqFt

Status Active

MLS # 6747825

Property Type Single Family Residence

Price Type --

Experience luxury living in Lake Havasu City with this exquisite home offering stunning lake and mountain views. The residence boasts vaulted ceilings, enhancing its open and airy ambiance. Enjoy a tranquil backyard oasis featuring a sparkling pool and fire pit—perfect for relaxation and entertaining. A charming casita with a kitchenette adds convenience and flexibility for guests. The property also includes a 65-foot deep RV garage with a 14-foot door, ideal for storing large vehicles. Embrace the ultimate in lakeside living with this exceptional home.

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7638 E Shooting Star Way Scottsdale, AZ 85266

$1,575,000

4 Beds

2.5 Baths

3,284 SqFt

Status Active

MLS # 6771131

Property Type Single Family Residence

Price Type --

Experience luxurious living in this stunningly remodeled home located in the guard-gated Winfield community, nestled between Whisper Rock and The Boulders. This elegant residence features an open-concept design with designer finishes, soaring ceilings, and large windows that fill the space with natural light. The gourmet kitchen, equipped with a spacious island and prep kitchen, is ideal for entertaining. The primary suite serves as a tranquil retreat, complete with a spa-like bath and generous walk-in closet. This home exemplifies sophisticated design. Enjoy easy access to golf, dining, and shopping in one of North Scottsdale's premier communities. Welcome to your serene sanctuary!

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17738 E Ord Court Rio Verde, AZ 85263

Open House

$1,575,000

3 Beds

3.5 Baths

2,681 SqFt

Status Active

MLS # 6785621

Property Type Single Family Residence

Price Type --

Rarely does an opportunity come available such as this: Highly upgraded Latigo plan with a Guest Casita and a JAW DROPPING UNOBSTRUCTED VIEWS OF TONTO NATIONAL FOREST! Spectacular beyond all expectations this stunning home is perfectly located in the prestigious Trilogy at Verde River on one of the most coveted homesites in the community backing directly to Tonto National Forest with MAJESTIC VIEWS that WILL TAKE YOUR BREATH AWAY! As you step through the front courtyard, you are greeted by a beautiful fireplace and a stunning water feature, setting the tone for the elegance that awaits. Beautifully designed with luxurious upgrades: chic hardwood-style tile floors throughout, upgraded kitchen cabinets; GE Monogram appliances, GE beverage cooler, custom granite counter tops, decorative tile backsplash, freshly painted interior and exterior and a lot more... Professional photos are coming soon!

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22421 N 34th Street Phoenix, AZ 85050

Open House

$1,575,000

3 Beds

3.5 Baths

2,978 SqFt

Status Active

MLS # 6749997

Property Type Single Family Residence

Price Type --

Welcome to this stunning 3 bedroom, 3.5 bathroom home located in the prestigious Sky Crossing subdivision. Built in 2020, step into this exquisite Plute home, where natural light floods the open floor plan. Whether you're whipping up a gourmet meal or simply enjoying your morning coffee, this kitchen is sure to impress even the most discerning buyer with its dual ovens, stainless steel appliance, oversized kitchen island and pantry. The primary suite is spacious with an attached en-suite that includes tiled, walk-in shower, dual vanities, and large walk-in closet. Your family and company will also enjoy their own spaces in the oversized bedrooms. This smart house features a state-of-the-art system with keyless entry and an app-controlled garage, a hardwired Sonos Sound System, as well as a Vivant security system that is added for peace of mind. The radiant barrier will also help with those electric bills and keep you cooler in the summer and warmer in the winter! Step outside through your wall of slider doors into the luxurious backyard that is an entertainer's dream! The pool and spa contain so many upgrades which include marble pavers and decking, glass waterline tile, and a pebble brilliance interior, and these are just a few of the oasis-like setting upgrades! Enjoy all the Sky Crossing amenities has to offer along with its location, which is just a short distance away from schools, parks and shopping!

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10609 N Mountain Vista Court Fountain Hills, AZ 85268

Open House

$1,574,000

4 Beds

3.5 Baths

4,046 SqFt

Status Active

MLS # 6783968

Property Type Single Family Residence

Price Type --

Brand New Construction on probably the best zero premium view lot in Fountain Hills! This stunning home offers the ease of single-level living with the added luxury of a walk-out basement. The main floor features a giant great room with expansive picture windows that capture the stunning views, alongside a gourmet kitchen that opens to a spacious covered terrace overlooking Red Rock, Four Peaks, and the surrounding landscape. Conveniently located near the Scottsdale border, this home provides easy access to everything the area has to offer. The main level also includes the primary bedroom, a dedicated office, and an inviting living area, while the walk-out basement surprises with a generous media room and two additional bedrooms. Come see this beautiful community today!

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