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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8714 E Rancho Vista Drive Scottsdale, AZ 85251

$1,299,500
4 Beds
3 Baths
2,475 SqFt
Status Active Under Contract
MLS # 6746081
Property Type Single Family Residence
Price Type --
Welcome to home Old Town Scottsdale! This modern charmer underwent a complete remodel in 2023 — taken down to the studs—and added on a spacious primary suite encompassing 777sf. Highlights include dramatic 10ft/9ft/8ft ceiling elevations, custom lighting, and a new heated AND chilled PebbleTec pool. Every detail has been upgraded, from ABS plumbing and dual Goodman HVAC units to custom landscaping with a putting green. Also featuring an outdoor Napoleon BBQ, two indoor fireplaces, a spacious primary closet, CAT 5 cabling, and more. Enjoy living in the heart of Old Town Scottsdale with close proximity to nightlife, shopping & dining, Giants Spring Training Stadium, endless golf courses, Scottsdale's green belt - perfect for bike rides, HWY 101, Camelback Mtn, and only 15-minutes from ASU.

6775 E Horned Owl Trail Scottsdale, AZ 85266

$1,299,450
5 Beds
3 Baths
3,312 SqFt
Status Active
MLS # 6702999
Property Type Single Family Residence
Price Type --
Embrace the essence of desert living in your 5 bedroom 3 bathroom stunning retreat nestled in Scottsdale's serene enclave. This luxurious Carriage Trails residence offers an unparalleled blend of sophistication, comfort, and natural beauty, providing a tranquil sanctuary for those seeking the ultimate desert lifestyle. Step inside to discover an architectural masterpiece, featuring high ceilings, plantation shutters, neutral tones, a wet bar, and expansive windows that capture breathtaking views of the surrounding desert landscape. The functional layout offers a seamless flow between the living spaces, perfect for both relaxation and entertaining. The chef's kitchen is a culinary haven, equipped with matching stainless steel appliances, sleek countertops, a custom center island, R/O drinking system, and plenty of cabinet space with soft close hinges. Whether you're hosting a dinner party or preparing a casual meal, this kitchen is sure to inspire culinary creativity. Step outside to your own private oasis, where you'll find a beautifully landscaped backyard with a covered patio, a sparkling pool and spa, a fire pit, a built-in outdoor tiled island equipped with a plumbed gas barbeque and fridge, low maintenance beautiful turf, and a putting green. It's the ideal setting for outdoor dining, entertaining, and enjoying the Arizona sunshine year-round. Situated in a coveted North Scottsdale neighborhood, this home enjoys a prime location with easy access to hiking trails, golf courses, shopping, dining, and entertainment. Experience the best of desert living with all the conveniences of urban amenities just moments away! Buyers currently living in Maricopa or Pinal County ask about an ADDITIONAL $7,000 home buyer credit available on this home via the Community Promise Program. Rate Relief Rebate Program: Benefit from a 2% seller credit to reduce your mortgage payments by Approximately $1,303/month in year 1 and $668/month in year 2. This exclusive offer makes homeownership more affordable now, while you await potential rate decreases.

19980 E El Nido Lane Litchfield Park, AZ 85340

$1,299,371
4 Beds
3.5 Baths
3,261 SqFt
Status Active
MLS # 6752334
Property Type Single Family Residence
Price Type --
FORMER MODEL HOME; Fully furnished 4 bed, 3.5 bath, study, tv room and 6 car garage; fully landscaped front and backyard including backyard furniture, purgula, outdoor kitchen and gas firepit; vaulted ceiling & 16' sliding glass door in family room; tray ceiling in study & owner's retreat, custom celing and wall treatments; waterfall island, GE Monogram appliances w/refrigerator & wine/bev refrig; GE W/Dryer; upgraded plank tile flooring, custom tile in both kitchen and baths, multiple shower heads in owner's bath; clean, modern and ready to move in with all furniture and accessories.

2526 W Fernwood Drive Phoenix, AZ 85086

$1,299,000
4 Beds
3.5 Baths
2,810 SqFt
Status Active
MLS # 6758171
Property Type Single Family Residence
Price Type --
This stunning new construction spec house offers modern luxury and spacious living on a sprawling flat acre lot. Boasting 2810 square feet of carefully crafted open-concept living space, this home features a desirable split floor plan with 4 bedrooms and 3.5 bathrooms, providing ample space and privacy for the entire family. The heart of the home is the beautifully designed kitchen, perfect for entertaining and everyday living. The expansive living area seamlessly flows from the kitchen, creating a warm and inviting atmosphere for gatherings. In addition to the generous living space, this property comes with a rare and highly sought-after feature - a 4-car garage with an attached RV garage. Whether you're a car enthusiast or an avid traveler, this space offers the flexibility... and convenience you need. Outside, the vast acre lot provides plenty of room for outdoor activities, gardening, or even the possibility of adding a pool or guest house in the future. Located in a desirable area, this home offers the perfect combination of tranquility and convenience. Don't miss the opportunity to make this exceptional property your own. This home is ready for occupancy, come experience the luxury and comfort this home has to offer! Note, Photos are of same model home, previously completed.

37-39 Ok Street Bisbee, AZ 85603

$1,299,000
3 Beds
5 Baths
2,987 SqFt
Status Active
MLS # 6737148
Property Type Single Family Residence
Price Type --
Truly Unique Old Bisbee Property- 3 Bedroom/5 Bath, 3,712 sq ft (including heated/cooled finished basement) with dedicated 2,000 sq ft PARKING LOT. Formerly Copper City Saloon and Hot Licks Saloon, now zoned Residential, with fully intact bar, fully furnished (complete with pool table), retrofitted to serve as a residential kitchen. Finished Basement serves as a Primary Bedroom with Jacuzzi, and 2 additional bathrooms, and separate Laundry Room. Second Floor currently rented as Airbnb- with two separate units, vast Great Room with full Kitchen, 14' ceilings, hardwood floors, Covered Deck with great views of Downtown Old Bisbee and surrounding hillsides. Includes 2 Parcels: 103-62-312 and 103-62-313.

30813 N 138th Street Scottsdale, AZ 85262

$1,299,000
4 Beds
3 Baths
3,320 SqFt
Status Active
MLS # 6768091
Property Type Single Family Residence
Price Type --
Looking for a home with all the bells & whistles... you have found it! This beautiful Santa Fe Style residence on a 1.248 acre lot with no HOA is a true dream and value. Surrounded by breathtaking mountain views, a 3-car sided garage, RV gate, circular driveway and more. Travertine flooring, stylish light fixtures & windows enrich the experience. A desirable great room enhanced by a floor-to-ceiling stone fireplace & media niches is designed for creating memories. A prep island w/a breakfast bar, abundant cabinetry adorned w/crown moulding, granite counters, travertine backsplash, built-in appliances, a handy pantry, & a lovely bay window in the dining area complete this chef's kitchen. Note that private water well pump & tank have recently been replaced as well as the pool equipment. Rest & rejuvenation await in the owner's retreat, showcasing plush carpet, direct outdoor access, double door entry, a two-way fireplace, plantation shutters, and an ensuite comprised of two vanities, soaking tub, and a walk-in closet. As a bonus, you will also have an open den/office. Wonderful backyard includes a covered patio with a fireplace, built-in BBQ, fire pit, roof deck, and a shimmering pool & spa. What's not to like? Experience the epitome of desert living in this meticulously crafted haven!

7521 E Camino Salida Del Sol -- Scottsdale, AZ 85266

$1,299,000
3 Beds
2.5 Baths
3,210 SqFt
Status Active
MLS # 6720520
Property Type Single Family Residence
Price Type --
Welcome to this peaceful, light and bright home in the hidden gem gated community of Las Piedras at Sevano Village. Located just seconds from the site of the new Ashler Hills Park and the convenience of shopping and restaurants, this home boasts many upgrades in a neutral palette including a beautifully renovated kitchen all in an open, great room concept. A gated courtyard entry with a babbling water feature make a welcoming entrance and comfortable outdoor living space. A well thought out floor plan separates the two guest bedrooms from the grand primary suite with its dual walk-in closets in a spa-like bathroom. A large den located off the great room through double doors makes a great office, library or media room. The rear outdoor living space has a wonderful fire pit, artificial turf area, covered patio, pavers and Southerly down valley mountain views to round out this fabulous home.

11776 N 81st Street Scottsdale, AZ 85260

$1,299,000
4 Beds
3 Baths
2,472 SqFt
Status Active
MLS # 6736662
Property Type Single Family Residence
Price Type --
Easily one of the BEST INTERIOR LOTS in the subdivision. Home has elevated views of the water and Golf Course. Super quiet and private interior optimal lot with only one home sharing lot line! This is a stunner complete with private pool and spa. Home also boasts a detached casita with full bath that is 399 SF not included in the 2472 SF Count. Better hurry as these properties sell fast!! Priced to SELL!!

18148 W Marshall Court Litchfield Park, AZ 85340

$1,299,000
5 Beds
5.5 Baths
4,550 SqFt
Status Active
MLS # 6752561
Property Type Single Family Residence
Price Type --
You must see this stunning 5BR/5.5BA luxury custom home on a corner lot located in the highly desirable gated community of Russell Ranch. This home has been gently lived in for only 5 months of the year by the current and previous owner. With a north/south exposure enter your home from a beautiful paver covered walkway through a private courtyard with fireplace and wall fountain. The dramatic 18-foot-high foyer opens to the living area with diagonal travertine flooring and views directly to the backyard. This unique split floorplan includes an open kitchen/great room design, living room, and a formal dining room. The gourmet kitchen incudes upgraded custom cabinetry with a 72-inch Sub-Zero side by side refrigerator, GE professional gas stove and dual ovens, granite counters, large kitchen island with raised breakfast bar that opens to the family room with an exquisite custom stone fireplace. The large master retreat boasts a gas fireplace, his and hers custom walk-in closets, dual private toilet rooms, vanities, jetted hot tub surrounded by the luxurious 23-foot travertine and marbled curved shower with 3 shower stations. Additional features include a wine room with separate temperature controls, private ensuites for ALL guest rooms, 4 of which have jetted tubs, double coffered ceilings throughout with hidden rope lighting, a central-vac system, and leased solar panels. Relax outside under a 1200 SF covered patio with mountain views and enjoy the professionally designed landscaping, putting green, fountain, above ground spa with covered pagoda and an observation deck for the fantastic desert sunsets. Make this home yours today. To show is to sell.

28021 N 156th Street Scottsdale, AZ 85262

$1,299,000
3 Beds
2.5 Baths
2,704 SqFt
Status Active
MLS # 6760088
Property Type Single Family Residence
Price Type --
Welcome to this stunning new home, offering 2700+ SF of modern living with breathtaking area views. This beautifully designed residence features three spacious bedrooms, versatile den, 2-1/2 baths, oversized 2 car garage w/ attached RV garage. The open-concept floor plan showcases a gourmet kitchen with high end appliances, an inviting living room with a cozy fireplace, and large windows that fill the space with natural light. The primary suite is a tranquil retreat, complete with an ensuite bathroom and walk in closet. Step outside onto a covered patio perfect for outdoor entertaining while enjoying some area mountain views. With beautiful landscaping and energy efficient features, this home perfectly blends comfort, style, and functionality for your dream lifestyle.

7678 E Starla Drive Scottsdale, AZ 85255

$1,299,000
4 Beds
3 Baths
2,941 SqFt
Status Active
MLS # 6779375
Property Type Single Family Residence
Price Type --
Forever Home or Investors Dream. Beautiful single-level home in the gated community of La Vista in North Scottsdale. Perfectly positioned for easy access to dining, shopping, and the 101 freeway, you're just 15 minutes from Scottsdale Quarter and Kierland Commons. Walk into profit with this Vacation Rental Super Host with $25K+ in bookings through April 2025!! 2024 YTD Gross Earnings totaling nearly $100K+ Spacious home features 4 bedrooms, 3 baths + flex space, arranged in a functional split floorplan. Boasting 12' Foot ceilings and dripping in natural light. Large bright, white kitchen with island. The backyard features a heated saltwater pool, small gated dog run & custom outdoor BBQ island with green egg, perfect for entertaining.

8431 E Via De Encanto -- Scottsdale, AZ 85258

$1,299,000
3 Beds
2 Baths
2,159 SqFt
Status Active
MLS # 6778485
Property Type Single Family Residence
Price Type --
This property is immaculate! Located in the desirable McCormick Ranch area, this 2,159 sq. ft. home offers spacious rooms and a thoughtful layout ideal for modern and open-concept living. The remodeled kitchen features quartz counters, white & navy shaker cabinets, an island & breakfast bar, Monogram propane gas stove, large great room with double sliding door, vaulted ceilings and a striking stone fireplace, wet bar & wine fridge. Outside, a large backyard awaits with a sparkling pebble sheen pool, covered patio, a newly installed travertine pool deck, Anderson windows/doors, and a paver courtyard in front, all on a huge 11,592 SF private lot. Beautifully landscaped yard. Conveniently located, minutes from shopping, parks, freeway access, and various dining options.

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