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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3229 E Campbell Avenue Phoenix, AZ 85018

$1,510,000
4 Beds
3.5 Baths
3,110 SqFt
Status Active
MLS # 6768123
Property Type Single Family Residence
Price Type --
Don't miss out on this like-new custom-built home in one of Phoenix's most sought-after neighborhoods. Featuring four spacious bedrooms and three-and-a-half bathrooms, this residence boasts exceptional finishes, including sleek white Cordova cabinets, elegant granite countertops, modern porcelain wood plank flooring, automated patio shades, and high-end stainless-steel appliances. Experience a level of luxury and style at an incredible value for this location. The gorgeous chef's kitchen, complete with a six-burner gas range and a seamless granite island that opens up to the living area, allowing the homes cook to stay connected with family and guests. The thoughtfully designed split floor plan offers a primary bedroom on the ground level, while three additional bedrooms are situated... upstairs alongside a versatile loft. The inviting south-facing backyard offers a spacious covered patio, private pool, and generous grassy area perfect for year-round enjoyment. This home is a hidden gem that won't last long!

19360 N 73rd Street Scottsdale, AZ 85255

$1,501,000
3 Beds
3.5 Baths
2,584 SqFt
Status Active
MLS # 6772969
Property Type Apartment
Price Type --
Belgravia Group presents Atavia, a private gated community of 88 luxury condominiums coming soon to North Scottsdale. Atavia blends the breathability of single-family living with the carefree convenience of condominium ownership. Designed by award-winning international architecture firm KTGY, with a clubhouse inspired by Frank Lloyd Wright's iconic Taliesin West, Atavia is perfectly situated at the Loop 101 and Scottsdale Rd within the One Scottsdale masterplan development. Each exceptional home features a private entry with 2 car garage, Italian kitchen cabinetry, Sub-Zero and Wolf appliances, 1 ¼'' quartz counters, and wood floors throughout main living areas. Residence D has a private in-home elevator and a private rooftop deck with a louvered pergola and porcelain pavers.

1810 E Magnolia Drive Unit 34 Flagstaff, AZ 86005

$1,500,000
4 Beds
3.5 Baths
2,672 SqFt
Status Active
MLS # 6787242
Property Type Single Family Residence
Price Type --
This newly constructed 2,672 sqft, 4 Bedroom, 3.5 Bath home is located in Juniper Point and is the perfect mountain getaway. The open floorplan is ideal for entertaining as the kitchen, living room and dining area flow seamlessly together. The kitchen is a chef's dream with a stunning Desert Canyon Granite kitchen island complete with chiseled edging, waterfalls on both ends and bar seating for 3. A custom Big Chill refrigerator with eye-catching brushed copper trim, walk-in pantry, and a 6 burner Wolf range surrounded by quartz countertops that lead into a full backsplash. Just off the kitchen is an open dining area, a mud room including bench seating and access from the garage. The living room features a floor to ceiling stone fireplace and access to the back patio. The expansive wraparound patio is highlighted by a built-in BBQ with a granite countertop prep area, artificial grass and built-in heaters allow for the perfect area for relaxing during those cool flagstaff evenings. An additional office area/den and a ½ bath, with a unique Gunmetal 3D Cube Aluminum Mosaic accent wall, complete the main level of the home. The upper level encompasses 4 bedrooms and the laundry room with plenty of storage, Samsung washer and dryer, sink and stunning countertops. The primary suite boasts a luxurious bath complete with a large tiled shower, dual vanities surrounded by beautiful granite that leads all the way to the ceiling, a soaking tub, private toilet room and a large walk-in closet. Adjacent to the primary bedroom is an en-suite bedroom with a walk-in closet. Take in the peak views from the two additional guest bedrooms with a shared bath including dual vanities and a tub/shower combo. Additional features include wood flooring throughout the main level of the home, custom lighting package, upgraded window treatments, tankless hot water heater, and 2 car garage with epoxy flooring. This brand-new home is located just minutes from downtown in close proximity to all Flagstaff has to offer and is the epitome of a tranquil mountain retreat.

17131 N 51st Way Scottsdale, AZ 85254

$1,500,000
4 Beds
3.5 Baths
3,643 SqFt
Status Active
MLS # 6770140
Property Type Single Family Residence
Price Type --
The perfect floorplan! Soaring ceilings and spacious open concept floorplan. All the WOW FEATURES you want in an executive floorplan- Guest Ensuite with full bath and walk-in closet, custom window treatments, STUDY, LARGE GAME ROOM, GOURMET KITCHEN with double ovens, gas cooktop, walk-in pantry, under cabinet lighting, kitchen island with sink with pendant lighting pre-wires, BEAUTIFUL MODERN DESIGN CHOICES! 16' GLASS SLIDING DOOR TO COVERED PATIO, FIREPLACE, 3 CAR GARAGE, SMART HOME, surround sound pre-wire, recessed lighting, floor outlet and more. This house has everything and the perfect location! Enjoy everything Arabella has to offer - Community pools and parks, near shopping, dining and 101 & 51 fwys in the 85254. Only minutes from Kierland & Scottsdale Quarter!

10338 E San Salvador Drive Scottsdale, AZ 85258

$1,500,000
5 Beds
3.5 Baths
3,107 SqFt
Status Active
MLS # 6779285
Property Type Single Family Residence
Price Type --
Sometimes it just feels like Home! Fully Remodeled in Scottsdale Ranch, this 5 Bed 3.5 Bath Cul-De-Sac property checks all the right boxes! (Dual Master Suites) The Primary Master is on the 1st floor and has a brand new shower & claw-foot tub enclosure with a garden view. Plus direct outdoor access to a large private hot tub oasis. The entire 2nd floor has been made into an additional private Master Suite/Guest Retreat/Bonusroom with it's own AC unit. There is brand new soft carpet, exposed wood beams and a full ensuite w/dual sinks, private toilet and a walk-in closet! The living spaces all have huge vaulted ceilings and the familyroom has a convenient wet bar & sink. Plus, both the family and living rooms have large wood burning fireplaces that will keep you warm & cozy when cold calls. The Elegant Wood-Look flooring is a Stone Plastic Composite (SPC) and completely waterproof! The brand new kitchen is equipped w/everything an aspiring chef needs, new Bosch appliances, white cabinetry w/quartz counters, generous storage, plenty of counter space, a walk-in pantry, tile backsplash, a center island and a peninsula complete with a breakfast bar. Lastly, the fantastic backyard boasts all new turf, a large covered patio, extended paver seating area with a built-in grill with a sink and a sparkling blue pebble tec diving pool with a waterslide! This home is perfectly designed and welcoming for entertaining and having those memorable family gatherings all year long!

6711 E Camelback Road Unit 58 Scottsdale, AZ 85251

$1,500,000
2 Beds
2 Baths
2,207 SqFt
Status Active Under Contract
MLS # 6772800
Property Type Single Family Residence
Price Type --
Step into Scottsdale luxury living at its finest with this beautifully designed 2-bedroom, 2-bathroom residence, previously featured on the cover of Luxe Magazine. Whether furnished or unfurnished, this home is the definition of sophisticated living and is located within walking distance of Scottsdale's premier destinations—Fashion Square, Mastros City Hall, and Ocean 44—as well as the Valley's best hiking trails. The home's contemporary design showcases top-of-the-line finishes, from Sub-Zero and Wolf appliances, custom cabinetry, and block wall construction to energy-efficient windows and doors. The open floor plan features a great room with high ceilings, a gas fireplace, and no interior steps. The private backyard is surrounded by mature Ficus trees, artificial turf, and a water feature, perfect for relaxation or entertaining. Located in the exclusive, gated Pavoreal community with 24-hour guard services, residents have access to resort-style amenities including a heated pool, spa, and clubhouse. This is the ideal lock-and-leave property for those seeking a low-maintenance lifestyle in an A+ location. Key Features: 2 bedrooms, 2 bathrooms + den/office Approx. 2,207 sq. ft. of living space Gorgeous backyard with water feature Modern kitchen with high-end appliances Block wall construction with upgraded windows and doors Located in the prestigious, gated Pavoreal community Walking distance to Scottsdale's top restaurants, shopping, and entertainment Minutes from world-class hiking trails Don't miss the opportunity to purchase this beautiful home.

3417 W Roaring Fork Drive Pinetop, AZ 85935

$1,500,000
5 Beds
6 Baths
3,533 SqFt
Status Active
MLS # 6672251
Property Type Single Family Residence
Price Type --
Nestled alongside the picturesque 18th tee box of the renowned Pinetop Lakes Country Club, this impressive A-Frame designed split log cabin with stone accent sits on 0.38 acres, 3533+/-sqft, has 5 bedrooms and 6 baths, 2 car garage, storage area, laundry/mud room, loft/family room, grand stone gas fireplace. Step inside and be greeted by a spacious and inviting interior with soaring ceilings and abundant gathering spaces. Each of the five large bedrooms boasts its own private ensuite, ensuring optimal privacy and comfort for every guest. Bask in the expansive views of the lush greenery from the comfort of your own home, where the beauty of the outdoors seamlessly blends with the cozy warmth of indoor living. Income property with mgr. Unwind after a day of adventure in the White Mountain knowing that your personal sanctuary awaits. Property is being sold turnkey with fine antique furniture and unique collectibles adorn every corner of this turnkey home, adding a touch of timeless elegance. Conveniently located near the world's largest Ponderosa Pine Forest, Pinetop Lakes Country Club provides easy access to an array of outdoor activities from golf and tennis. Sunrise Ski Resort, Lakes for fishing to hiking and wildlife watching. With major commercial airports in Phoenix, Albuquerque, and Tucson just a short distance away.

5 E 14th Street Tempe, AZ 85281

$1,500,000
5 Beds
3 Baths
2,961 SqFt
Status Active
MLS # 6728493
Property Type Single Family Residence
Price Type --
Amazing Tempe Location Offering A Ton Of Possibilities. Just Steps Away From ASU, Grady Gammage And The Spectacular Entertainment District Of Down Town Tempe. Single Level 5 Bedroom And 3 Bathroom Home With Huge Lot And Private Pool And Entertaing Area. Newer Windows, Newer Main Sewer Line, Updated Kitchen And A Split Floor Plan Which Allows A Great Opportunity For Private Residence, Rental For Students Or An Airbnb. Close To Light Rail, Sky Harbor, Restaurants And Tempe Town Lake. Two Separate Outdoor Entertaing Areas And Two Car Garage With Large Driveway Makes This An Ideal Property In An Incredible Neighborhood. Dont Miss Out On This Limited Time Opportunity To Create A Lifestyle And Business In An Unprecedented Location Which Wont Come Aailable Often.

22602 N 80th Place Scottsdale, AZ 85255

$1,500,000
4 Beds
3 Baths
3,086 SqFt
Status Active
MLS # 6758896
Property Type Single Family Residence
Price Type --
Nestled in the private and gated community of Pinnacle Peak Estates II, this stunning home offers breathtaking mountain views right out the front of the home. At just over 3,000 square feet, this home is perfectly sized and the one-acre lot offers space to expand along with privacy. The back of the house showcases a wall of glass, with four sliding doors and windows that invite abundant indirect sunlight throughout the day. This unique feature also provides a panoramic view of the sparkling pool, visible from most rooms, creating a seamless connection between indoor and outdoor spaces. As you step inside, the high ceilings and Italian travertine floors immediately catch your attention, lending the home an expansive yet inviting feel. The split floor plan offers privacy, with the primary suite and bath and home office with a full bath (fourth bedroom) on one side, and two additional bedrooms with a shared bath on the other. The primary suite bath is a retreat, featuring dual vanities, a jetted soaking tub, a separate shower, and a walk-in closet. The kitchen has stainless steel appliances, walk-in pantry, center island with storage, a coffee/display niche, all overlooking the light filled family room with centerpiece fireplace. Outdoor living is just as enticing, with a large covered patio that stretches the length of the home, complete with a mechanical sunshade for added comfort. The heated pool, surrounded by ample decking, is perfect for lounging or dining. For added convenience, the home includes a three-car garage and a large laundry room with a sink and cabinetry. The leased solar panels enhance energy efficiency, while the Southwest styling welcomes guests with charm. With quick access to the 101 and Phoenix Airport, and so close to Kierland, Scottsdale Quarter, Fashion Square, and Desert Ridge, and more, literally minutes away, from the most desirable shopping areas in Arizona. This home combines luxury, convenience, and privacy in a sought-after location.

19711 W Georgia Avenue Litchfield Park, AZ 85340

$1,500,000
4 Beds
2.5 Baths
3,051 SqFt
Status Active
MLS # 6756040
Property Type Single Family Residence
Price Type --
NEW 2 BEDROOM GUEST HOUSE beautifully accents this 4 BED 2.5 BATH CUSTOM home on nearly an acre with room for RV & TRAILER PARKING, PLUS 5 CAR GARAGE SPACES. ASSUMABLE VA. This property offers a wide range of possibilities: use the Guest House for multi-generational living, office space, studio space, rental income, entertaining space, pool house or simply for guests. This custom space offers beautiful finishes and upgrades. Both homes feature 10 ft ceilings. The main house offers an open, split floor plan with add'l den/office. Sparkling pool with a waterfall feature, built-in spa & large Baja step, plus an in-pool table. The grand gazebo offers added shade, along with the oversized covered patio. There is room for a lift in the 12' high guest house garage. You've got to see this!

43 E 14th Street Tempe, AZ 85281

$1,500,000
4 Beds
4 Baths
3,410 SqFt
Status Active
MLS # 6758777
Property Type Single Family Residence
Price Type --
One of the most desired locations in all of Tempe!! Mid-century stunner in coveted University Park. Walk to ASU campus! 4 bedrooms plus and office and 4 full bathrooms Grand luxury mid-century resort style heated pool. Designer landscaping, newly added over-sized 2.5 car garage (Man Cave) with separate AC / vaulted ceiling, epoxy, full bath, tankless hot water heater NEW AC, large outdoor stainless steel sink. Originally renovated in the 1960's by renowned architect and Frank Lloyd Wright enthusiast, Bennie Gonzalez. Homes like this rarely hit the market, what an opportunity to own a piece of history in the heart of Tempe.

11150 S Jefferson Street Mayer, AZ 86333

$1,500,000
4 Beds
3 Baths
2,926 SqFt
Status Active
MLS # 6764808
Property Type Single Family Residence
Price Type --
Welcome to your dream ranch! This sprawling 98-acre property features a spacious 2,926 sq. ft. home with 4 bedrooms, 2.5 baths, and stunning panoramic views. The updated kitchen boasts brand-new cabinets and countertops, perfect for entertaining. The master suite includes an updated bathroom and access to a private deck with breathtaking views. Relax in the hot tub or cozy up by the wood stove on cool evenings. The large unfinished basement offers ample storage, and the 3-car garage provides plenty of room for vehicles or a workshop. The entire property is fully fenced, ideal for ranching, farming, or recreational activities. Enjoy the best of both worlds with the peace and privacy of rural living, just 40 minutes from Prescott and an hour from Phoenix. This unique property is a rare find

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