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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39101 N 26th Street Cave Creek, AZ 85331

$1,295,000
3 Beds
2.5 Baths
2,862 SqFt
Status Active Under Contract
MLS # 6736724
Property Type Single Family Residence
Price Type --
Exceptionally Energy efficient Home with Huge Resort Retreat backyard & Mountains you can almost touch!! Stunning Integra Energy-Efficient Block Custom home on over 1 acre. Just under 3,000 sq ft. Perfect size for your forever home. Roomy entertainers kitchen with Sub Zero built in refrigerator, GE Convection double ovens & range, Bosch dishwasher, kitchen island, built-in microwave, R/O system, roll-out shelving & large walk in pantry. Eat-in Kitchen breakfast area , Plus a Formal Dining room. First Class all the way professionally designed backyard oasis that Includes PIZZA over and a separate dance floor level. 25 year warranty Rhino paint exterior. RV spot with own 50 Amp hook up. 3 car extended garage with epoxy floor.

3823 Ridge Runner Way Wickenburg, AZ 85390

$1,295,000
3 Beds
3.5 Baths
3,024 SqFt
Status Active Under Contract
MLS # 6747412
Property Type Single Family Residence
Price Type --
This exquisite home, located in Wickenburg Ranch, spans over 3,000 square feet, offering a perfect blend of luxury and comfort. With 3 spacious bedrooms, each featuring its own ensuite bathroom, the home ensures privacy and convenience for all residents and guests. The property is set on a desirable golf course lot, providing stunning views and a serene atmosphere. The backyard is a haven for outdoor enthusiasts, complete with a putting green for golf practice and a large covered patio ideal for entertaining or relaxing in the shade. Inside, the home is adorned with elegant wood-look tile flooring throughout, combining beauty with low-maintenance durability. The highly upgraded kitchen is a focal point, with its granite counters and full backsplash, Monogram and Wolf appliances, beverage refrigerator, and even an extra electric circuit With plenty of counter space and cabinet storage as well as a pantry it is truly a chef's delight. All of the highly upgraded cabinetry has soft-close doors and drawers as well as pull-out shelves. The primary bathroom offers a spa-like experience, featuring a luxurious tub and a separate upgraded shower, split vanities and custom-designed linen cabinet. The 4' extended 3- car insulated garage has epoxy flooring, hanging storage racks, and a mini-split HVAC system along with outside access. The property is set on a large, premium, East-facing desirable golf course lot, providing wrap- around views and stunning sunrises. The backyard is a haven for outdoor enthusiasts, complete with a putting green and chipping area for golf practice, viewing area to take in the fairway and lake views, and a double-extended covered patio ideal for entertaining or relaxing in the shade. The landscaping around the property is beautifully designed, enhancing the home's curb appeal and providing a tranquil environment. This home is a true gem, offering a sophisticated lifestyle in a stunning setting. Additionally, the home includes a full home warranty plan valid until September 2027..

3909 S Veronica Lane Gold Canyon, AZ 85118

$1,295,000 - 4Br/3Ba -  for Sale in Montana Dorada, Gold Canyon
Open House
$1,295,000
4 Beds
3 Baths
2,989 SqFt
Status Active
MLS # 6769878
Property Type Single Family Residence
Price Type --
Welcome to Montana Dorada, the best kept secret in Gold Canyon Arizona. This single level home is part of an exclusive Modern Farm Desert Collection. Offering paved roads, quick access to the US 60, close to shopping and dining, complete with breathtaking views of the iconic Superstition Mountains at every turn. Offering 2989 livable SF, 4 bedrooms, 3 bathrooms, a large kitchen island, wine bar, and a butler's pantry. This split floorplan offers a large owners suite and guest ensuite both with private access to the large covered backyard patio. All tile throughout with light earthy tones to compliment every style. The developers are offering a 25,000 credit for rate buy down and custom owners closet build out. This new build comes with an oversized 3 car garage complete with epoxy floor. Carefully positioned to offer both privacy and optimized views of the mountains. Montana Dorada in Gold Canyon Arizona offers peaceful living with amazing access to city amenities. If you are looking for golfing, hiking, biking, and sensational outdoor adventure while still being close to modern amenities this beautiful single level new build in Montana Dorada is a must see.

3044 N Ironwood Road Carefree, AZ 85377

$1,295,000 - 3Br/4Ba -  for Sale in Boulders Carefree 3b Replat, Carefree
Open House
$1,295,000
3 Beds
3.5 Baths
2,948 SqFt
Status Active
MLS # 6774944
Property Type Single Family Residence
Price Type --
SPECTACULAR BOULDERS PROPERTY REDONE TO PERFECTION. THIS 3 BEDROOM WITH 3.5 BATHROOMS IS REMODELED FROM ONLY THE BEST MATERIALS WOOD FLOORING,2 MASTER BATHROOMS WITH FANTASTIC MARBLE FINISHES BTFL KITCHEN WITH GRANITE FINISHES AND DECOR 6 BURNER GAS RANGE AND DECOR OVEN...FROM THE MOMENT YOU STEP OUT TO THE YARD WITH IMPRESSIVE BOULDERS GROUPINGS AND PLANTINGS AND FABULOUS POOL/SPA THAT IS PERFECT FOR PRIVACY AND PEACE AT THE END OF THE DAY.

3014 E Winchcomb Drive Phoenix, AZ 85032

$1,294,900
4 Beds
3 Baths
3,272 SqFt
Status Active
MLS # 6742731
Property Type Single Family Residence
Price Type --
A rare opportunity in the Cimarron Manor community. this beautifully appointed custom home with No HOA on over a 1/4 acre lot, and close to Scottsdale, 51 & 101 Freeways, Camelback Corridor, Downtown Phoenix, Central Corridor, and minutes to the airport. 4 bedroom 3 bath home. In 2022 replaced roof, solar panel system, remodeled pool, pool heater, repainted, new flooring, putting green, exterior paint., and LG Fridge. There is an 80 gallon water heater, soft water & filtration system. In primary bedroom, there is a gorgeous walk in closet, Steam Shower, and Toto Toilet. Full wet Bar. Backyard and a sizeable grassy lawn, and does the front yard. Plenty of space to entertain both inside and out. You do not want to miss this one. Can sell as fully furnished as well.

3756 E Galvin Street Cave Creek, AZ 85331

$1,294,000
3 Beds
3 Baths
3,861 SqFt
Status Active
MLS # 6673322
Property Type Single Family Residence
Price Type --
Magnificent mountain views, high ceilings and tasteful finishes greet you upon entering this meticulously maintained and very spacious home with north/south exposure, new interior and exterior paint and a fabulous backyard. Enjoy privacy and gorgeous sunsets. Approach from a circular drive, then through a formal entry that invites you into a large comfortable great room with gas fireplace and access to the backyard. The dining area is open to the large kitchen with its cherry cabinets, granite countertops, gas cooktop and island. Relax in your master suite (20x20), large bathroom & huge closet. The office is perfect for a work from home lifestyle and has custom dual desk cabinetry. See the big bonus room for workouts, TV, toys, billiards, and the laundry room has loads of storage. The resort like backyard with travertine pavers boasts beautiful mountain views, play pool with water feature, built-in gas BBQ, gas firepit and new artificial grass! Owned Solar is the icing on the cake!

27722 E Mount Ord Drive Fort Mcdowell, AZ 85264

$1,290,000
3 Beds
2.5 Baths
3,083 SqFt
Status Active
MLS # 6707788
Property Type Single Family Residence
Price Type --
Welcome to this stunning southwestern home in Sunflower, AZ, offering the perfect blend of comfort & luxury. Nestled in a private gated community, this property boasts breathtaking mountain views and enjoys the great climate of Sunflower. This home features 3 bedrooms, 2.5 bathrooms, a bonus room, providing ample space for relaxation. The open-concept living area is perfect for hosting gatherings, while the wellappointed kitchen, complete with modern appliances and a spacious island. Two additional improved lots are available. Outside the property spans 1.82 acres. Solar Electrical System, Community well, whole home off grid.

1109 N Falconcrest Drive Payson, AZ 85541

$1,290,000
4 Beds
4.5 Baths
4,300 SqFt
Status Active
MLS # 6752125
Property Type Single Family Residence
Price Type --
A panoramic view of the Mogollon Rim invites you into this 4,300 sq. ft 3 story home near the Payson airport. In addition to the main house, is a separate oversized garage with a 700 sq ft 1 bedroom apartment on the second level Entry to the main house is on the mid level along wit the living room, dining, kitchen, bedroom, bath, utility room, pantry and wrap around deck. On the upper level is the master bedroom with fireplace and walk in closet , master bath with jetted tub, shower, toilet room, dual sinks and closets. Office w 2 desks, a 2nd bedroom, bath, laundry and hobby room and deck are also on this level. Located on the lower level is the Rec room with pool table, 4th bath, storage room and garage. Inviting as a permanent home or a family gathering place..... This one of a kind property includes an elevator in the main house and a tiny house nestled in the trees below, RV parking with full hook up and sits on a 1.7 acre lot. Property may be purchase fully furnished.

3768 E Aspen Court Gilbert, AZ 85234

$1,290,000
6 Beds
3.5 Baths
3,734 SqFt
Status Active
MLS # 6772694
Property Type Single Family Residence
Price Type --
Welcome to this charming CUSTOM, BASEMENT home in the highly coveted Circle G at the Highlands neighborhood of Gilbert, AZ! Situated on a cul-de-sac setting, nearly 1/2-ACRE LOT, this beautiful property offers 6 beds/3.5 baths + Office + expansive Bonus Room in the basement, perfect for families seeking space and comfort. The property also features a 3-car garage, RV gate for the toys, mature landscaping & welcoming porch. Discover an ample foyer that greets you with NEWLY installed wood floors throughout the home that are warm and inviting. The thoughtfully designed layout includes a finished basement with 2 additional bedrooms, a bathroom, huge storage room and a spacious living area w/ surround sound speakers, which is perfect for a media room providing additional living and entertainment space for your family or guests. On the main level, the gorgeous family room offers a wood-burning fireplace & vaulted ceiling! The gourmet kitchen, complete with granite counters, custom tile backsplash, plenty of white cabinetry, breakfast bar and a sunny bay window in the breakfast nook flows into an inviting living area, ideal for gatherings. Check out the NEWLY remodeled, giant walk-in pantry w/ tons of cabinetry, shelving, quartz counters, beverage cooler & more. Retreat to the main suite to find private backyard access & an ensuite w/dual sinks, separate tub/shower & walk-in closet. Oasis backyard w/ ample space for outdoor activities highlighted by a sparkling pool w/ built-in spa, boulder waterfall/slide, diving board, a concrete play area, firepit, large grass area & extended covered patio w/ a plethora of travertine decking. Also enjoy a harvest of your own fresh citrus with orange, lemon and pink grapefruit trees. Whether you're entertaining guests or relaxing in the sun, this outdoor oasis is perfect for Arizona living. Located in the prestigious Circle G community, known for its large lots and tranquil surroundings, you'll enjoy the perfect balance of luxury and privacy while still being close to Gilbert's top schools, shopping, and dining. Don't miss the chance to own this stunning custom home! ADDITIONAL RECENT UPDATES: -

15724 E Sunflower Drive Fountain Hills, AZ 85268

$1,290,000
3 Beds
3 Baths
3,430 SqFt
Status Active
MLS # 6760227
Property Type Single Family Residence
Price Type --
This is the home of your dreams! Custom built sitting on an elevated lot w/gorgeous 4 peaks views!! Single level living w/just a bonus room on lower level! Huge RV garage will hold a 36ft RV/Enter through stunning iron door into a wide open great room! Your eyes will take your right outside to the view, but don't miss the wonderful great room/formal dining/music room/sitting area & of course the kitchen!! Tons of custom cabinets/beautiful granite counters/huge island w/seating/Stainless appliances/ Breakfast rm overlooking the East mountains! Enjoy stunning sunrises from the covered patio off great rm/Bedrooms are split for ultimate privacy/Spacious master retreat/Master bath offers newer walk in shower/slipper tub/double vanity & lg walk in closet/2nd master is perfect for guests/More... Newer flooring throughout/ New windows on the East side of the house / 80% Sunscreens /Energy efficient due to the Solar - owned by seller and part of SRP's Customer Generation plan. Mini splits in garage and bonus room HVAC new in 2018 & 2023. New Water heater in 2023.

17662 E Blaze Lane Rio Verde, AZ 85263

$1,290,000
3 Beds
3.5 Baths
3,004 SqFt
Status Active
MLS # 6782079
Property Type Single Family Residence
Price Type --
Welcome to your desert oasis in the heart of Trilogy at Verde River! This stunning 3-bedroom, 3.5-bathroom home is a true gem, boasting the popular Orion floor plan that's perfect for both relaxation and entertainment. As you step inside, you'll be greeted by neutral porcelain tile that flows seamlessly throughout the home, creating a cool and inviting atmosphere. Perched on a corner lot, this property offers mountain views, providing a picturesque backdrop for your daily life. The chef's kitchen is a culinary enthusiast's dream, featuring a huge center island and an abundance of cabinets with convenient pull-out drawers. Whip up gourmet meals while your guests mingle in the open-concept living area, or take the party outside to the built-in BBQ on the generous covered patio. The primary bedroom suite is a true retreat, complete with a luxurious soaking tub and a spacious walk-in closet. A den/office provides the perfect space for remote work or quiet study, while the bonus/media room offers endless possibilities for entertainment or relaxation. Practical amenities abound, including a utility sink in the laundry room, reverse osmosis system, and water softener. Located in the beautiful resort-style community of Trilogy at Verde River, you'll have access to world-class amenities and the nearby Vista Verde Golf Club. Don't miss this opportunity to live in a home that combines luxury, functionality, and stunning natural beauty. Your desert dream home awaits! Trilogy at Verde River is a Resort Style community featuring something for everyone! Tom Lehman designed golf course, tennis, pickle ball, bocce ball, heated lap pool and swimming pool, hot tub, fitness center, demonstration kitchen and a 7.5 acre dog park. The community center has casual and fine dining, luxury spa and an 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 yet close to the conveniences of affluent North Scottsdale. Live like you're on vacation!!

9255 W Buckskin Trail Peoria, AZ 85383

$1,290,000
4 Beds
3.5 Baths
4,089 SqFt
Status Active
MLS # 6708890
Property Type Single Family Residence
Price Type --
Welcome to your custom retreat on 1.2 acres in Peoria, ideally located near Lake Pleasant and featuring an impressive 1900 SF RV/Boat Garage. This home offers 4 bedrooms and 3.5 bathrooms, providing ample room for your multi-generations. The gourmet kitchen is a chef's delight, equipped with high-end appliances and finishes, and flows seamlessly into a great room with a breakfast bar, cozy breakfast nook, and formal dining area. Entertain effortlessly in the indoor/outdoor living spaces, which include a putting green, basketball hoop, covered patio, BBQ area, spa, and a sparkling pool that invites relaxation and enjoyment. The spacious layout also features a large workout room with an adjoining steam room, perfect for maintaining your fitness routine. For those who need extra storage or workspace, the property includes a 1900 SF detached RV garage with a large garage doors, one for your RV and the other to store your beautiful boat to take to Lake Pleasant. This garage has ample storage, a workshop, and can accommodate up to 4 additional cars, making it ideal for car collectors or hobbyists. Don't miss the opportunity to own this exceptional property that combines luxury, functionality, and ample space for all your needs.

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