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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18118 E Parker Creek Road Rio Verde, AZ 85263

$1,299,999
2 Beds
2.5 Baths
2,619 SqFt
Status Active
MLS # 6764719
Property Type Single Family Residence
Price Type --
Located in the desirable Trilogy at Verde River, an amenity-rich guarded gate community with breathtaking mountain views, this luxurious home offers the Cordova layout with a casita. Featuring 2 bedrooms, an office, 2.5 bathrooms, and a 4-car tandem garage, no detail was overlooked in its design. The gourmet kitchen boasts Quartz countertops, high-end stainless-steel appliances, a tile backsplash, and a kitchen island with a breakfast bar. The spacious great room includes a cozy fireplace, while extras like a wine bar and high-end window blinds enhance the living experience. The primary suite offers a door to the back patio and a lavish ensuite bathroom with a separate shower, soaking tub, dual sink vanity, and walk-in closet. The casita includes a seating room with a kitchenette and a bedroom with an ensuite bathroom, ideal for guests. Outside, enjoy beautifully designed landscaping with paver stones, a fire table, an anti-snake fence, and an expansive covered patio complete with 2 ceiling fans and stunning mountain views! Additional features include a soft water system, a R/O system, huge laundry room with upper and lower cabinets, built-in desk, and a sink. This spotless home is a rare find! The amenities at Verde River are World Class with Tom Lehman inspired eighteen-hole Golf course, tennis courts, pickleball courts, and bocce ball, heated lap pool and Resort style swimming pool, hot tub, Afterburn fitness center, Helen's demonstration Kitchen for cooking classes and a 7.5 acre dog park. The community center has casual poolside dining at Eddy's Diner and gourmet dining at award-winning Needle Rock Kitchen and Tap, Alvea Spa with full-service Salon and Spa amenities, Art Loft and events center. Trilogy at Verde River is adjacent to the Tonto National Forest and is situated in the middle of miles and miles of hiking and biking trails.

13512 N Granite Way Fountain Hills, AZ 85268

$1,299,999
4 Beds
4.5 Baths
3,269 SqFt
Status Active
MLS # 6675282
Property Type Single Family Residence
Price Type --
Here's a rare chance to own a home in Sunridge Canyon, cherished by its owner for over 25 years. This spacious 4-bedroom, 4.5-bathroom home features a family-friendly split master floor plan. Situated on more than 34,000 square foot lot (+/-.78 acres), you'll enjoy vaulted ceilings and stunning views of the mountains and Sunridge Canyon golf course. The backyard boasts a beautiful negative edge pool and spa as well as a built in BBQ island. Inside, the living room impresses with cantera stone floors and a natural gas fireplace. The primary bathroom seamlessly blends with the surrounding natural environment. Every room is generously sized and offers great views. This lovely home will make you feel right at home.

1921 S Santa Anna Drive Chandler, AZ 85286

$1,299,999
5 Beds
3 Baths
3,824 SqFt
Status Active Under Contract
MLS # 6723948
Property Type Single Family Residence
Price Type --
Rare chance to own a recently remodeled home in the heart of Chandler that features a 4-car garage and resort style backyard. Located in the highly desirable gated community-Germann County Estates, you have easy access to multiple freeways, shopping, restaurants, and entertainment. Walk in the front door working on your golf game, cutom patio coverings with misting systems, oversized pool, jacuzzi, sunken kitchen with swim-up-bar, custom area for golf simulator, RV gate, and custom lighting all around. Don't miss this opportunity as they don't come very often in this area!

29851 N 78th Way Scottsdale, AZ 85266

$1,299,999 - 4Br/3Ba -  for Sale in Las Piedras, Scottsdale
Open House
$1,299,999
4 Beds
2.5 Baths
2,879 SqFt
Status Active
MLS # 6768319
Property Type Single Family Residence
Price Type --
Prepare to be amazed! Check out this wonderful 4 bed, 2.5 bath residence now on the market! Nestled on a premium corner lot w/fantastic mountain views & featuring great curb appeal, desert landscape, and a 3 car garage. Inside you will find a spacious open floor plan w/high ceilings, elegant new flooring, luxurious light fixtures, neutral palette throughout, and a cozy fireplace. The formal dining room is ideal for hosting a dinner party! Prepare delicious meals in this gorgeous kitchen, comprised of wood cabinetry w/granite counters, a pantry, stainless steel appliances, and a lovely island. Double doors open up to the primary bedroom, showcasing a walk-in closet, and a lavish ensuite w/dual vanities. Don't forget about the large den, perfect for an office or lounge area. Lastly, the expansive backyard includes a covered patio and a sparkling blue pool/spa combo! The home of your dreams is here, hurry and act now!

9252 E Whitethorn Circle Scottsdale, AZ 85266

$1,299,995 - 3Br/3Ba -  for Sale in Boulders Carefree Unit 14, Scottsdale
Open House
$1,299,995
3 Beds
3 Baths
2,699 SqFt
Status Active
MLS # 6775889
Property Type Townhouse
Price Type --
Here's your opportunity to live in the Splendor of The Boulders Resort & Spa Scottsdale. Luxury awaits you with this 2699 sq. ft fully furnished, turn key villa townhome, tucked away on a quiet cul-de-sac with community pool and adjacent to the Boulder Resorts. Whether you're looking for a primary residence, vacation home, or an investment property with exceptional rental income potential, this home delivers on all fronts. This 3 bedroom/3 bath home has vaulted ceilings with charming vegas, open living room with fireplace, large family room with space to accommodate casual entertaining and dining as well. Spacious Primary Suite with large second closet that can be locked as owner storage. Both guest rooms have private bathrooms. Two car garage. Wrap around patios to dine and unwind. A 33,000 sq. ft. luxurious spa, championship golf and exclusive service await in a uniquely dramatic setting - 1,300 acres of the Sonoran Desert foothills with panoramic views of 12-million-year-old boulder formations. Besides 2 championship golf courses, this sprawling resort has plenty of on-site recreational activities such as racquet sports pavilion including 12 newly expanded pickle ball courts and tennis, swimming, hiking and rock climbing, cooking classes, etc.. If that wasn't enough, the stylish restaurants offer captivating views from every turn or relax and enjoy the new main pool.

3080 W Blazingstar Road Show Low, AZ 85901

$1,299,990
4 Beds
3 Baths
2,315 SqFt
Status Active
MLS # 6749349
Property Type Single Family Residence
Price Type --
Nestled on over an acre, this gorgeous home sits on a premium gently sloping lot on the 3rd fairway of the Torreon Tower Golf Course. This single story home has an open plan with soaring ceilings and plenty of indoor and outdoor space for entertaining and relaxing alike. The chef's kitchen features Frigidaire Professional stainless steel appliances including a 5 burner gas range & built-in microwave. There is ample seating along the Quartzite center island which opens to the great room with its stylish stacked stone fireplace, vaulted tongue & groove ceilings, & large windows offering tranquil views of the majestic pines. The spacious outdoor deck has a comfortable seating area and dining area so that you can enjoy the beautiful weather and pines from the comfort of your own backyard. This home is centrally located less than half-a-mile from the Torreon family center, which has pickleball courts, basketball courts, a playground, & a catch-and-release pond, etc. The Torreon Clubhouse has a restaurant, fitness center, heated swimming pool, spa, ballroom and more. There is something fun for everyone to enjoy in Torreon.

7247 N 6th Place Phoenix, AZ 85020

$1,299,950 - 4Br/3Ba -  for Sale in Orangewood Villa, Phoenix
Open House
$1,299,950
4 Beds
3 Baths
3,128 SqFt
Status Active
MLS # 6761156
Property Type Single Family Residence
Price Type --
Realize your dream home in the heart of North Central Phoenix, surrounded by multi-million-dollar estates. This perfectly remodeled ranch-style residence, featuring a versatile second story, offers an ideal blend of comfort and functionality, perfect for both work and family life. Sixth Place, south of Orangewood Avenue is in a coveted community and delivers impressive curb appeal in a true neighborhood. Inside, over $200,000 was invested in renovations over the past two years. Upgrades include luxury vinyl plank flooring, high-end carpet, and porcelain tile, a new roof (2023), two new AC units, solar panels, and fresh interior paint. The kitchen windows flood the space with natural light framing the exclusive nook and countertop. Choose the oversized island or move into the dining or large family room with views of the park-like backyard, for meals or fun gatherings. The split primary suite boasts motorized shades, two walk-in closets, and a deluxe bath area. On the opposite side of the home, you'll find three additional bedrooms and two bathrooms. The expansive upstairs room is perfect for entertaining or as a spacious home office, featuring vaulted ceilings, ample storage and dual-pane windows throughout. Enjoy your playful paradise as the expansive backyard showcases a large covered patio, diving pool, lush grass space, and mature shade trees. With easy access to all areas of the Valley, your new home offers the ultimate in convenience and luxury living.

37751 N Linda Drive Cave Creek, AZ 85331

$1,299,900
3 Beds
2 Baths
2,501 SqFt
Status Active
MLS # 6771022
Property Type Single Family Residence
Price Type --
Brand New and Move-In Ready! Nestled into a mountain outcropping, an acre lot with no HOA, this gorgeous, modern home offers stunning, up-close views and intimate privacy. Enjoy nearby hiking at Black Mountain Summit Trail and a convenient commute to local shops and dining. Inside, high ceilings, 8' doors, and designer finishes create a light-filled, open-concept living space. The gourmet kitchen boasts a large granite island with bar seating, premium appliances, and a spacious walk-in pantry, flowing seamlessly into the Great Room with a striking fireplace. The luxurious, split primary suite enjoys incredible views of Black Mountain and access to the outdoor patio, perfect for adding a hydro spa for stargazing. The spa-like bathroom boasts dual vanities, a soaking tub, and a large shower with dual heads. Two additional bedrooms include walk-in closets, and an office, (or 4th bedroom) has access to the courtyard. The home is complete with a 3-car garage, hobby room, and high-end finishes throughout, including designer lighting, custom tile, granite countertops, and premium cabinetry. Built by a trusted custom home team with 30+ years of experience, this home blends luxury, craftsmanship, and a prime, in-town location.

12121 E Remuda Lane Mayer, AZ 86333

$1,299,900
5 Beds
5 Baths
6,693 SqFt
Status Active
MLS # 6746811
Property Type Single Family Residence
Price Type --
Beautiful Home with Magnificent Views in Mayer with no HOA. Plenty of room for cars, toys, and much more on this 3+ acre lot. Downstairs features additional living area including: movie theater room, additional kitchen, 2 bedrooms with a luxurious steam shower in the bathroom. Walk out onto the covered patios for endless views. Home has zoned HVAC with 2 separate zones. Oversized Workshop below. Come take a look at this magnificent home and make it yours.

20554 W Pasadena Avenue Buckeye, AZ 85396

$1,299,900
3 Beds
3.5 Baths
3,341 SqFt
Status Active
MLS # 6756062
Property Type Single Family Residence
Price Type --
Stunning Serendipity by David Weekley home is situatted on corner lot facing Georgia Park in Victory at Verrado has 3 bed, 3.5 bath, den, & hobby room (set up as a gym), features a courtyard at front door with a fountain. Outdoor living abounds with a large covered north-facing rear patio, full-size pool w/ baja shelf, hot tub/spa, gas fire pit, & kitchen/bbq/bar area w/pergola. Inside, the home is equipped with so many options/upgrades/updates, including gourmet kitchen appliances, plantation shutters, upscale ceiling fans, RO system, & full house audio video by Control4. Engineered wood floors run throughout the home, with wood-look tile in the bathrooms. The home also features a spaciuos 2.5-car garage featuring an epoxy floor. Hurry, this will not last long!

8281 E Buteo Drive Scottsdale, AZ 85255

$1,299,900
3 Beds
2.5 Baths
2,672 SqFt
Status Active
MLS # 6769512
Property Type Single Family Residence
Price Type --
Nestled in the guard-gated community of Grayhawk this is a rare property for someone to make it their own! Perfectly positioned at the end of a quiet cul-de-sac, this step free property provides soaring ceilings and a convenient split floorpan. The open kitchen is a true delight with granite countertops and ample cabinetry. Enjoy the open living and dining rooms lined with windows to amplify the beauty of your Sonoran surroundings. The massive primary bedroom is complete with private backyard access, plenty of natural lighting, sitting area, and massive en-suite with fantastic walk-in closet. Two additional bedrooms, full bath, powder room, & thoughtful Laundry complete the interior. Additional features include a cabinet line 3 car garage, NEW HVAC units replaced in 2023, and more! Located in one of the most desirable areas, this Greyhawk property is a unique opportunity for those seeking a secure, tranquil, and customizable retreat.

42144 N Mountain Cove Drive Anthem, AZ 85086

$1,299,900
3 Beds
2.5 Baths
3,437 SqFt
Status Active
MLS # 6742477
Property Type Single Family Residence
Price Type --
This incredible property showcases 3,437 square feet of stunningly appointed indoor/outdoor living space and boasts exceptional mountain views! Step inside to discover a newly remodeled kitchen featuring elegant Misterio Gold quartz countertops, conveniently located pot filler, custom coffee bar, and extended island. New soft-close custom cabinetry includes drawer pull-outs, pull-out waste containers, and a pull-out spice rack, all complemented by under and over-cabinet lighting. Top-of-the-line appliances include a Wi-Fi compatible 48'' Wolf Dual Fuel Gas Range, Sub Zero Refrigerator, and Sharp Drawer Microwave. The main living area has crown moldings and takes full advantage of the breathtaking mountain views with expansive windows that frame the landscape and fill the space with natural light. The spacious owner's suite features a beautiful gas fireplace and provides captivating views of Daisy Mountain, creating a serene and private retreat. The freshly remodeled bathroom showcases new Kohler illuminated mirrors, Misterio Gold quartz countertops, new Delta Brizo fixtures, added custom linen cabinet, new custom shower interior with dual shower heads, and a new luxurious tub with a Misterio Gold quartz waterfall surround. Owner's suite includes two spacious walk-in closets. The outdoor space is an entertainer's dream with NEW artificial turf, a heated pool and spa featuring in-floor cleaning and Wi-Fi connectivity, an outdoor ramada with gas fireplace, a spacious covered patio, and putting green. Pavers have been extended down the side yard for added charm and functionality. ALL new Energy Star Certified Marvin windows with fiberglass frames and full HVAC replacement in 2018 with programmable Wi-Fi thermostats. Plantation shutters and honed Travertine throughout --no carpet. This home has been meticulously cared for, ensuring every detail is in pristine condition. Remodeled laundry room features new shaker-style cabinetry with under-cabinet lighting and granite countertops with backsplash. Extended-length garage includes insulated doors and new garage door openers with Wi-Fi connectivity, fresh epoxy flooring, and an added side door for convenience. Anthem Golf and Country Club is a guard-gated community offering two private 18-hole golf courses, two clubhouses with restaurants and fitness centers, resort-style pools, tennis and pickleball courts, and numerous classes/clubs available.

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