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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5431 E Pinchot Avenue Phoenix, AZ 85018

$1,295,000
4 Beds
3 Baths
2,508 SqFt
Status Active Under Contract
MLS # 6775604
Property Type Single Family Residence
Price Type --
This darling cottage style home is the epitome of Arcadia Osborn with charming curb appeal, living spaces full of personality, and a yard that's great for kids and adults alike. The open floor plan is loaded with character, and natural sunlight fills every space. The island kitchen has pristine white cabinetry, stainless steel appliances and marble countertops which is exactly what buyers are looking for. The family room is a wonderful space, there's a separate den that can easily double as a playroom, the formal dining room is lovely, the primary suite is beautiful, and the primary bath has fantastic designer accents. Outside is home to a spacious covered patio, great looking pool and a large grassy yard. Enjoy a cool evening sitting around the firepit. (see more) There's even a free standing air conditioned structure that would make for an impressive home gym, painter's studio or office. Located in an excellent neighborhood, this special residence works for a growing family, a single, and empty nesters alike. Simply put, it's perfect!

3907 Gold Ridge Road Wickenburg, AZ 85390

$1,295,000 - 3Br/4Ba -  for Sale in Wickenburg Ranch, Wickenburg
New
$1,295,000
3 Beds
3.5 Baths
2,769 SqFt
Status Active
MLS # 6783361
Property Type Single Family Residence
Price Type --
This exquisite 3-bedroom, 3.5-bathroom home, just over 2,700 square feet, combines luxury and functionality, with the added benefit of a private casita perfect for hosting guests. Enter through a charming front courtyard featuring a stone fireplace that creates a warm and inviting entry. Inside, the open floor plan flows seamlessly from the spacious kitchen, where a large island with gleaming granite countertops and upgraded appliances offers ample cabinet space for storage. A wall of disappearing sliding glass doors connects the indoor space to the stunning backyard, enhancing the home's blend of indoor and outdoor living. The backyard is an entertainer's dream, designed for both relaxation and memorable gatherings. At its heart is an exquisite, top of the line, outdoor kitchen. The outdoor kitchen is complete with a high-end barbecue grill, wood-burning pizza oven, and a large flat-top stone cooking surfaceideal for everything from summer cookouts to gourmet meals. A custom pergola provides shade over the kitchen, creating a comfortable retreat on sunny days. For cooler evenings, a stone fire pit offers a cozy gathering spot, while a luxurious pool/heated spa, often referred to as a spool, invites a refreshing dip year-round. Elegant travertine tile patio flooring and low-maintenance landscaping add sophistication to the outdoor space, ensuring a beautifully kept area with minimal upkeep. The primary suite is a bright and tranquil retreat, bathed in natural light and thoughtfully designed for both relaxation and style. The spacious bedroom flows into a primary bathroom featuring a large soaking tub, dual vanities, a walk-in shower, and his-and-hers walk-in closets, providing ample space and privacy. This home balances elegance with comfort, seamlessly extending the living space into a remarkable outdoor oasis.

4114 Cactus Blossom Road Wickenburg, AZ 85390

$1,295,000
2 Beds
2.5 Baths
2,381 SqFt
Status Active
MLS # 6705527
Property Type Single Family Residence
Price Type --
Welcome to your dream oasis in the heart of the exclusive Wickenburg Ranch community! Within the serene beauty of this Brasada home, this stunning residence offers an unparalleled blend of luxury and tranquility. As you step through the front courtyard, you're greeted by the inviting charm of this home's curb appeal. Modern neutral colors adorn the exterior, setting the tone for the elegance that awaits inside. Prepare to be captivated by the breathtaking views that greet you from the backyard oasis. Overlooking the mountains, lush golf course, and tranquil creek, the backdrop is nothing short of awe-inspiring. Spend evenings gathered around the cozy firepit, soaking in the serenity of the desert landscape. With two remote controlled patio shades you have the ability to easily shade the patio at will. Inside, the home exudes warmth and sophistication, with plenty of natural light streaming through numerous windows. The updated kitchen boasts sleek appliances, granite counters, ample cabinets, and extra storage areas, making it a haven for any culinary enthusiast. The dining room and master bedroom both have window seats for additional seating and storage. In the living area, a gas stove beckons for cozy evenings spent curled up with a good book or enjoying the company of loved ones. Retreat to the luxurious master suite, where the updated bathroom awaits with a spacious walk-in shower and indulgent soaking tub. Relax and unwind in style, surrounded by elegant finishes and serene ambiance. The oversized laundry room serves as a multifunctional space, doubling as a convenient office area. The guest bedroom offers privacy and comfort with its own en-suite bathroom, ensuring that visitors feel pampered during their stay. Pleated shades and plantation shutters throughout the home provide both style and functionality. In addition, the home has a central vacuum for convenience and a wine fridge for making entertaining a breeze. Completing this exceptional property is an oversized 3-car garage, complete with beautiful, attached cabinets for additional storage, and two golf cart electrical outlets for charging. Whether you're a car enthusiast or simply in need of extra space, this garage has you covered. Don't miss your chance to experience resort-style living in this exquisite Brasada Shea home!!

10 S Woodridge Way Prescott, AZ 86303

$1,295,000
3 Beds
2.5 Baths
2,519 SqFt
Status Active
MLS # 6706956
Property Type Single Family Residence
Price Type --
This high quality custom built home in the Ranch at Prescott is situated on a large corner lot. The neutral warm tones will be a perfect backdrop for anyone's personal decor. The single story residence has tall ceilings and tons of natural light. The open concept and split floor plan with a separate Office (4th Bedroom), Laundry Room, large Walk in Pantry and spacious 3 Car Garage will certainly ''check'' all of the ''boxes''. There are so many great focal points from the Fireplace in the Great Room to the generous Island and floor to ceiling Cabinetry in the Kitchen. The large Main Suite has a sitting area and fireplace with amazing views of the outdoors. The Walk in Closet and Main Suite Bath with a separate Tub and Shower is light and bright. Engineered Veneer Wood Floors everywhere exc Main Suite Closet which has plush carpeting. Bosch Appliances with a gas cooktop, Zephyr Wine Fridge and Quartz Countertops are featured in the Kitchen. Extensive covered outdoor Patio for entertaining or just sit and quietly enjoy the deer and other forest creatures that will wonder by. Entire home has a Fire Suppression System (fire sprinklers). This is a fantastic walkable location to Trader Joe's, Pine Ridge Marketplace, and Restaurants. The community of Ranch at Prescott has a Tennis Court and walking trails. There is a community Social Club that can be joined for a small annual fee and is not a requirement - just a way for members of the community to plan events together. Property Taxes are currently based on Land Value only.

7624 E Charter Oak Road Scottsdale, AZ 85260

$1,295,000
3 Beds
2 Baths
2,324 SqFt
Status Active
MLS # 6719798
Property Type Single Family Residence
Price Type --
Discover a meticulously renovated masterpiece in the heart of Buenavante. This home has undergone a complete metamorphosis, boasting a new roof, windows, doors, and a sleek synthetic stucco exterior. Inside, you'll find elegant engineered hardwood floors, a gourmet kitchen, spa-like bathrooms, and modern finishes throughout. Enjoy peace of mind with a new AC system, repiped plumbing, and a revitalized outdoor oasis featuring a resurfaced pool, lush landscaping, and automated irrigation. With a spacious 13,000 sq ft lot, there's ample room to create your own private retreat, such as a casita or guest house. Perfectly located near top-rated schools, shopping, dining, and major freeways, this home offers the ultimate in convenience and luxury. Don't miss this opportunity to own this home. Don't miss this opportunity to own a truly exceptional property. Schedule your private showing today!

7272 E Gainey Ranch Road Unit 43 Scottsdale, AZ 85258

$1,295,000
2 Beds
3 Baths
1,895 SqFt
Status Active
MLS # 6730003
Property Type Townhouse
Price Type --
Enjoy the Gainey Ranch lifestyle in this updated 2 bedroom plus den condo with 3 full baths. Situated on the Lakes Golf course. Bright end unit with 2 master suites and views of the golf course. Both with large decks to truly enjoy the morning and afternoon sun. Enjoy all the amenities Gainey ranch has to offer. New ''state of the art'' Gainey Ranch Estate club with everything from tennis and pickle ball to a spacious work out facility. Close to shopping at the Gainey Village and walking to the Hyatt Hotel! Gainey Ranch offers an array of amenities, including tennis, pickleball, a fitness center, community pool and optional membership to the Gainey Ranch Golf Club. Enjoy top-tier shopping, dining, and entertainment just minutes from your doorstep.

8707 E Clarendon Avenue Scottsdale, AZ 85251

$1,295,000
5 Beds
2 Baths
1,993 SqFt
Status Active
MLS # 6746680
Property Type Single Family Residence
Price Type --
Introducing the ''House of Gucci.'' a property that redefines what luxury, tranquility, and living your best life looks like! This stunning home features a spacious 5 bed/2 bath with the finest decor exuding elegance and beauty! The bright open floor plan leads out to the resort like backyard where endless fun begins. Take a dip in your sparkling heated pool and spa, roast marshmallows by the fire pit, entertain friends at your BBQ, or putting green, or simply just lounge on the beautiful outdoor furniture. Or perhaps stay inside the custom game room gathering with family and friends making memories. All this and in the most sought after part of Sunny Scottsdale, just minutes from the heart of Old Town where you can enjoy the finest dining, shopping and night life!

5135 W Alameda Road Glendale, AZ 85310

$1,295,000
5 Beds
3 Baths
3,749 SqFt
Status Active
MLS # 6749254
Property Type Single Family Residence
Price Type --
Bring your toys! Stunning Tri-Level Home in Saddleback Estates on just under an acre with additional 3000sqft Garage & Fully owned 150kwh Solar System providing close to zero energy costs! Inside you will discover 5 bedrooms, 3 baths 2 living areas, formal dining and an extra flex room. Home features tile & wood flooring throughout, granite counters and cherry cabs in the kitchen, & a large master with private balcony equipped with a hot tub. Outside enjoy a covered patio overlooking a beautifully landscaped yard and sparkling pool that also is equipped with heater and chiller. The massive garage/workshop is equipped with A/C, heat, 3-phase electric, and R40 insulation in the walls and R55 in the roof. On top of having tons of character & storage this home is located near golfing, hiking water parks, plenty of dining options at the shops at Norterra and great schools like Sandra Day O'Connor. Only a short drive to both 101 and I-17 freeways. Check out additional upgrades attached in document section.

8989 N Gainey Center Drive Unit 101 Scottsdale, AZ 85258

$1,295,000
3 Beds
3 Baths
2,113 SqFt
Status Active
MLS # 6753423
Property Type Townhouse
Price Type --
Experience luxury living in this stunning 3-bedroom, 3-bath townhome located in Gainey Ranch, a prestigious guard-gated golf course community. Newly remodeled and situated on a premium corner lot near the pool and spa, this home boasts elegant finishes including hardwood flooring, custom metalwork, and beautiful waterfall quartz countertops. Relax in the Arizona sun on the expansive patio or oversized balcony. The newly renovated Estate Club offers exceptional amenities, including a state-of-the-art fitness center, swimming pool, and courts for tennis and pickleball. Conveniently close to fine dining, shopping, and entertainment in Scottsdale, this townhome is the perfect blend of luxury and lifestyle.

4122 E Burnside Trail Cave Creek, AZ 85331

$1,295,000
5 Beds
3.5 Baths
4,580 SqFt
Status Active
MLS # 6761338
Property Type Single Family Residence
Price Type --
Sophistication meets comfort in this beautiful residence. Situated on a sprawling corner lot, this beautiful home offers an unparalleled blend of elegance and functionality. Boasting a fully remodeled chef's kitchen stands with modern style and culinary excellence. Adorned with top-of-the-line appliances, custom cabinetry, and exquisite finishes, it seamlessly transitions into the open living spaces, creating an ideal environment for both everyday living and entertaining. Your spacious fitness room awaits you, a dedicated space designed to elevate your wellness routine. Your gym offers the perfect sanctuary to achieve your fitness goals without leaving the comfort of your home. The outdoor oasis with a resort-style pool and spa will be the focal point for gatherings for years to come!

5112 N 32nd Place Phoenix, AZ 85018

$1,295,000
3 Beds
3 Baths
2,420 SqFt
Status Active
MLS # 6764328
Property Type Single Family Residence
Price Type --
Fabulous opportunity in Biltmore Heights to make this your own! Tucked away on a beautiful street with 10,237 sq ft lot with RARE GUEST HOUSE & FULLY TILED POOL. High vaulted ceilings & kitchen opens to great room. Kitchen features stainless steel counter tops, subzero refrigerator, Viking cooktop, & Bosch dishwasher. Kitchen has a dutch door that opens to the gated courtyard for beautiful weather days. Fabulous outdoor living with large covered patio, cozy fireplace, and built in BBQ area w/ sink. NEW AC unit in 2024. Main home is 2 beds/ 2 baths and guest house is 1 bed/1 bath. Storage shed on the south side of the home.

11838 N 144th Way Scottsdale, AZ 85259

$1,295,000
3 Beds
2.5 Baths
2,630 SqFt
Status Active Under Contract
MLS # 6702385
Property Type Single Family Residence
Price Type --
Escape to the tranquil beauty of Hidden Hills and discover your dream home nestled within this sought-after community. Perched high on a hillside, this exceptional residence offers unrivaled vistas, showcasing stunning sunsets, the majestic Phoenix valley skyline, and breathtaking mountain views that will undoubtedly captivate you. Enter through your private courtyard, seamlessly extending the outdoor living space and welcoming you into a world of serenity and luxury. Step inside this single-level Golden Heritage Great Room floor plan and be embraced by an inviting atmosphere adorned with Viga ceiling beams, effortlessly marrying comfort with sophistication. The spacious kitchen, a haven for culinary enthusiasts, boasts new Wolf Gas Cooktop and Double Jenn-Air Wall Ovens, providing ample space for culinary exploration, while a cozy Kiva fireplace sets the tone for intimate gatherings in the family room. Indulge in the opulence of the expansive primary suite, featuring a private exit to the rear yard where the beauty of the landscape awaits you each morning. Outside, a resort-style backyard beckons, showcasing a sparkling Pebble Tec pool and spa, embraced by lush landscaping and accent lighting, crafting an oasis of tranquility and relaxation, complete with a fire pit to enjoy during the evenings. A true gem, this home boasts a newly recoated roof (2 year warranty) and all-new pool equipment managed wirelessly, ensuring a move-in ready experience and promising a lifestyle of comfort and luxury. Experience the epitome of Scottsdale living with easy access to amenities such as the Mayo Clinic, Basis School, golf courses, biking trails, and hiking adventures. Whether you seek tranquility or outdoor exploration, this residence offers the perfect balance of opulence and lifestyle.

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