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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18371 W Roma Avenue Goodyear, AZ 85395

$1,299,000
5 Beds
3.5 Baths
3,419 SqFt
Status Active
MLS # 6775584
Property Type Single Family Residence
Price Type --
Welcome to your dream home in the exclusive, RV-friendly gated community of Sedella, where adventure and luxury meet! This stunning property offers a spacious and elegant floorplan, with new tile flooring throughout, creating a fresh, modern feel. RV enthusiasts will love the oversized 20x50 RV garage with mini-split systems for year-round comfort, along with the 50 ft. concrete RV pad offering full hookups, including a 50-amp service and clean-out station—ideal for parking your RV. The property also boasts an RV double gate with additional parking, providing ample space for all your vehicles and toys. Step into your resort-style backyard, featuring a sparkling pool, expanded covered patio, mister system, and lush landscaping, perfect for entertaining or relaxation. With newer updates like HVAC, a water heater, and a full water filtration system, this home is a rare find that blends functionality with luxury in a neighborhood designed to accommodate your RV lifestyle. Additionally, the home is fully wheelchair accessible, featuring a roll-in tile shower and a roll-under sink, making it comfortable and convenient for everyone.

19218 N 88th Way Scottsdale, AZ 85255

$1,299,000
5 Beds
3 Baths
3,318 SqFt
Status Active Under Contract
MLS # 6762702
Property Type Single Family Residence
Price Type --
Welcome to this gem in North Scottsdale. Meticulously maintained. Updated kitchen 2021, New HVAC 2021, New Roof 2021,New Soft water system 2023. All new appliances 2021. This home has been well loved and is ready for a new family to enjoy.

23624 N 76th Place Scottsdale, AZ 85255

$1,299,000
3 Beds
3 Baths
2,220 SqFt
Status Active
MLS # 6771528
Property Type Single Family Residence
Price Type --
Ideal location in North Scottsdale. Just minutes away from world class resorts, golf, hiking, shopping and dining. Premium interior lot, well away from roads. This newer built (2021) soft contemporary home is beautifully upgraded inside and out. Enjoy indoor/outdoor living with a sparkling pool and spa in this special setting that backs to a natural desert area. A designer feel gourmet kitchen highlights the interior of the home, featuring a GE Monogram appliance package, quartz slab waterfall island and generous amounts of cabinet space. There is also a dedicated home office/flex room in addition to the three bedrooms. Other upgrades include a linear outdoor fireplace, tile shower surrounds, an EV charger, water softening system, tankless water heater, and plantation shutters throughout

4601 W Paradise Lane Glendale, AZ 85306

$1,299,000
8 Beds
8 Baths
4,573 SqFt
Status Active
MLS # 6674143
Property Type Single Family Residence
Price Type --
NO HOA!!! CUSTOM Tri Level Home in Sunburst Farms sits on just under an acre with a detached Guest House, Separate Home Office and temp controlled Workshop! Solar panels, optional flood irrigation and a 500 gallon propane tank keep utility expenses low and affordable. Pride of ownership is in the details. Main House features 4bed/3.5bth, a custom kitchen with 2 sinks, built in appliances that include a convection cooktop, double ovens, and trash compactor. The finished basement has a bedroom, full bathroom, 2 walk-in closets and den. You'll notice all the GORGEOUS built in cabinetry throughout the entire home. The backyard oasis is an entertainer's dream with a massive covered travertine patio that extends to a heated pool/ spa and built in full outdoor kitchen and fireplace. Follow the luscious green landscaping to a detached 2bed/2bath guest house complete with a full kitchen and huge laundry room. Exit the private courtyard and you will find your perfect home office with 2 separate office areas and a full bathroom. Workshop is a temp controlled (mini split) 50ft garage featuring a 14ft door, chain hoist, built-in work bench, shop sink, locked storage area and half bathroom. Space is also preplumbed for compressed air. There are many more details, too many to list. Bring your toys and your tools and come check it out for yourself!

1105 N Indian Paintbrush Circle Payson, AZ 85541

$1,299,000
4 Beds
4 Baths
3,472 SqFt
Status Active
MLS # 6689974
Property Type Single Family Residence
Price Type --
This amazing 4 bed, 4 bath multi-level home in Payson is now for sale! Enjoy the breathtaking golf course and panoramic mountain views from a recently remodeled and expanded deck. The home itself is nestled in the Community of Chaparral Pines and boasts a stunning façade, manicured landscape, and a 2 car garage w/paver driveway. Inside you will find a spacious living area w/elegant tile flooring, stylish light fixtures, abundant natural light, and neutral palette throughout. Hone your cooking skills in this gorgeous kitchen, comprised of wood cabinetry w/granite counters, SS appliances such as a wall oven & wine cooler, and an island complete w/a breakfast bar. You'll love the primary bedroom, featuring soft carpet, private deck access, walk-in closet, and a lavish ensuite! Don't forget about the cozy den, perfect for an office! Also including a HUGE deck w/a built-in BBQ where you can enjoy a summer cookout w/friends and loved ones, this home is a dream come true! Don't let this incredible opportunity slip by!

11815 W Lost Man Canyon Way Prescott, AZ 86305

$1,299,000
4 Beds
3 Baths
2,680 SqFt
Status Active
MLS # 6674739
Property Type Single Family Residence
Price Type --
Enjoy breathtaking, uninterrupted vistas of Williamson Valley from this exquisite ''Ranch Style'' residence. Boasting 4 bedrooms, 3 baths, and a spacious 2 car garage, this home is a testament to rustic elegance. Step inside to discover large hewn timber beams, natural stone accents, and a stunning tongue-and-groove vaulted ceiling in the Great Room, complemented by a wall of windows framing panoramic views. Throughout the home, you'll find rich wood floors, Alder doors, and a charming stone fireplace with a mantle. The generously sized kitchen features granite countertops and a convenient wet bar in the dining area. Outside, multiple covered patio areas beckon relaxation amid mature trees and lush vegetation. Experience the epitome of tranquil living.

1113 S Cypress Circle Payson, AZ 85541

$1,299,000
3 Beds
4 Baths
4,055 SqFt
Status Active
MLS # 6706097
Property Type Single Family Residence
Price Type --
Spectacular Quality! Steel structure & solid Alder doors throughout. Purple Mountains Majesty! Views! Sip your coffee admiring the Mogollon Rim. Conveniently located on a hilltop minutes away from downtown Payson, shopping & restaurants. Step through the door into vaulted, beamed ceilings with a wide staircase & custom railing. Family Room, Dining Room & Patio flow together creating a relaxed entertaining space. Main Suite dominates the 2nd story with a private loft, spa bathroom (including jacuzzi tub, snail shower, private laundry & bidet), fireplace, extended custom closet & huge deck. Top of the line, stainless steel appliances in this chef's kitchen where the sink window overlooks the vista, walk-in pantry and laundry room are steps away. Solid wood, Alder cabinetry throughout All walls are metal 2x4 & property framing is steel beams. Property has fire suppression system. Tile roof. Quality! The lowest level boasts 2 guest rooms with ensuite baths. LL living room includes a bar with a beer tap, wine cellar, refrigerator, ice maker, dishwasher, sink, surround sound & fireplace. Don't forget the gun closet & the bonus room! Step onto the wrap around patio and you are among the trees & views. Can you smell that fresh, pine air? Property sides to National Forest. Toys? Bring them! There is plenty of room in the 5 car garage. Storage cabinets & work bench flank the walls making an efficient space. 220 outlets in the garage. RV Parking on the side slab with electrical plug-in. Large storage room accessed from lower level patio. Come see it all!

20622 W Colter Street Buckeye, AZ 85396

$1,299,000
3 Beds
3.5 Baths
3,282 SqFt
Status Active
MLS # 6752369
Property Type Single Family Residence
Price Type --
Breathtaking GOLF COURSE MOUNTAIN & CITY VIEWS from this David Weekley Serendipity home! With 3 bdrms, 2 dens, 3.5 baths, you & your guests will have plenty of room to spread out, as each bedroom has its own bathroom. The large owner's suite features stunning views, luxurious shower and soaking tub, as well as access to the laundry room. The gourmet kitchen includes extra cabinets, and huge center island. The ''Walk-Through Pantry is spectacular! There is also a ''Command Center'' (tech area). The beautiful backyard has artificial turf & extended covered patio Wait... there's more.. the 2.5-car garage has a mini-split & overhead storage. There's an over $100K amount of options, upgrades, and updates in this home!!! Also leased solar reduces utility bills. Includes 1-year Home Warranty The addition of the hobby room, which is 12x24 adds another 124 square feet to the floorplan.

2132 W Legends Way Anthem, AZ 85086

$1,299,000
4 Beds
4 Baths
3,950 SqFt
Status Active
MLS # 6726770
Property Type Single Family Residence
Price Type --
THE HOME YOU HAVE BEEN WAITING FOR! ABSOLUTELY STUNNING! Nestled at the base of Daisy Mountain in Anthem Country Club is this stunning home, offering a blend of elegance and comfort. You will experience an immediate calming and peaceful feeling as you look to the mountains and desert behind you. As you approach the home, you will find the beautiful desert landscaping outside the private courtyard, offering another sanctuary type setting for your comfort and enjoyment. Upon entering this home your eyes will immediately be drawn to the views out the living and dining room windows. The foyer is stunning with a new Iron and glass door and travertine flooring. Updates galore in this 3 bedroom, 3 1/2 bath home that also has an attached casita with powder room. The gourmet kitchen was updated with a new kitchen island, new granite counters, newly re-faced and beautifully stained cabinetry, and 2023 Subzero fridge, Bosch dishwasher, microwave and range hood. Adjacent to the kitchen is the cozy den/family room with stone surround fireplace and plenty of room to relax and enjoy family and friends. The master retreat features a walk in shower with new glass doors, refinished cabinets and granite counter tops at the vanities, and His & Her walk in closets with organizers. Wonderful views from the master bedroom where you can relax in front of the fireplace or head out the sliding door to the private covered patio. The other two bedrooms are en suite and upgraded with granite countertops, new Toto toilets, tub/shower combos and both have walk in closets. Finishing off the interior of the home is an office with built in cabinetry and a powder room nearby. The lot, which is over 17,000 square feet has a gazebo with fireplace, 2 soothing water features on remotes, artificial turf and lots of space to do whatever your heart desires. Looking for space for golf cart or ATV? The side gate can be changed to a double gate to allow for a secured parking space. Updates to this home include all new windows (42) and French door sliders (3) with Low E Glass, new frames, and a transferable lifetime warranty; 3 Trane AC units including new furnaces (2017);entire home replumbed with PEX in 2022, including all valves throughout the home. New exterior drip system installed with 4 zones, artificial turf and new trees/plantings. New smoke alarms and carbon monoxide detectors with hard wire interconnect. New exterior paint is beautiful! See documents section for a full list of features and upgrades. Welcome to Anthem Country Club offering two 18 hole Greg Nash designed golf courses, 2 club houses with restaurants, bars, and pro shops. 2 work out facilities with tons of classes offered daily, 2 swimming pools, the Oasis Bar and Grill at the Persimmon pool, tennis courts, pickleball courts, bocce ball at The Back Yard at Persimmon, ball room at Ironwood to host large events. In addition to all of that, you also have access to the Anthem Parkside facilities that includes over 60 acres of parks, catch and release fishing pond, sand volleyball, water park, pool, pickleball, tennis, skate park, playgrounds and more!!! Welcome home!!!

12158 N 138th Street Scottsdale, AZ 85259

$1,299,000
3 Beds
3 Baths
2,979 SqFt
Status Active
MLS # 6731048
Property Type Single Family Residence
Price Type --
This beautifully remodeled home within the guard gated community of Scottsdale Mountain, features 3 bedrooms, 3 bathrooms, a loft, an office and a host of modern upgrades, including engineered white oak hardwood throughout. The downstairs boasts high ceilings and beautifully remodeled kitchen, featuring new white oak and white cabinets, appliances and quartz countertops. Step into the family room with a dual sided fireplace with the living room on the opposite side. The backyard features a view fence over a beautiful wash, a newly resurfaced pebble tech pool and stunning mountain views at the base of the McDowell Mountains. The home boasts a large first floor master retreat and completely remodeled bathroom. Upstairs is a great place for the kids with an additional two bedrooms and a loft for games and entertainment. Lastly, the home received a new roof in 2022 and new Trane HVAC system in 2024. Don't miss this stunning remodel in the safe and secure guard gated community of Scottsdale Mountain adjacent to award winning schools!

8743 E San Victor Drive Scottsdale, AZ 85258

$1,299,000
2 Beds
2.5 Baths
2,819 SqFt
Status Active
MLS # 6763640
Property Type Single Family Residence
Price Type --
This beautifully remodeled home in McCormick Ranch backs onto a serene greenbelt and features an open, bright floor plan with soaring ceilings. The spacious layout includes formal living and dining areas, plus a family room with a fireplace, built-in bookshelves, luxury wet bar & dual master suites. Gourmet kitchen boasts brand new white quartz countertops, Wolf appliances, a Sub-Zero fridge, double ovens, two sinks, & breakfast bar. Both master suites have walk-in closets and backyard access. The backyard is a green oasis offering a built-in BBQ, pool & spa! The master bathroom is a freshly remodeled dream. Roof & AC replaced in recent years. Milgard windows, & garage w/ cabinets & epoxy floors. Bonus, 2 rentable community casitas! Move-in ready!

4850 E Poinsettia Drive Scottsdale, AZ 85254

$1,299,000
4 Beds
3 Baths
2,902 SqFt
Status Active
MLS # 6738636
Property Type Single Family Residence
Price Type --
Welcome to your dream home! This fully remodeled & expanded property is designed with modern comfort & luxury in mind. W/updates to the kitchen, Master suite, HVAC system, roof, windows, & the addition of spray foam insulation, it offers energy efficiency & a nearly new home. It also features an ADDED 2C garage, heated and cooled for your cars & toys. Recognized as the ''Best Home on the 85254 Tour,'' this stunning residence includes dual master suites, 3 spacious bathrooms, & an open-concept floor plan. The chef's kitchen is a true showpiece, perfectly situated to overlook a well landscaped backyard, complete with fruit trees, a gazebo, & maintenance-free synthetic grass. Pool Available too! Car enthusiasts will love the 4+garage, in the best neighborhood and A+scottsdale School distric Property upgrades: New 3-ton AC 2024 Roof 2020/2024 for addition New windows New Master Suite 19x19 New Master Bath 15x19 w/ soak tub, shower, toilet and bidet 2-Master Suites Foam insulation throughout 4+ Car garage cooled/heated Work room All new Electrical Wiring New Low voltage lighting Epoxy Garage floor New Pavered Driveway for 8 cars

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