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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8411 E Windrunner Drive Scottsdale, AZ 85255

$1,285,000 - 3Br/3Ba -  for Sale in Grayhawk Parcel 3k(a), Scottsdale
Open House
$1,285,000
3 Beds
3 Baths
2,552 SqFt
Status Active
MLS # 6773652
Property Type Single Family Residence
Price Type --
Welcome to this gorgeous Monterey home in Grayhawk's Talon Retreat! This home has been completely remodeled with almost $300,000 in Upgrades and Improvements in the last 4 years, including resurfaced roof and TWO completely replaced HVAC systems in 2023 and 2024! Checkout the Upgrades list in the Documents tab for the full list. The Retreat is a 24-hour guard gated neighborhood that is the epitome of luxury living in one of Scottsdale's premier Golf Communities. This home is absolutely turnkey, and it's perfect as a primary residence or as a winter retreat. The low maintenance backyard provides unparalleled privacy and peacefulness. When you enter this home, you are immediately greeted with lovely French oak wide plank flooring which runs through the main home and bedrooms. This large open room concept floor plan and 12 ft ceilings, maximizes the 2500 square feet, and the wall of glass and natural light, brings the outdoors inside! The kitchen has been completely remodeled with a large entertainer kitchen island, quartz countertops, Wolf and Sub-Zero appliances and a fabulous bay window breakfast nook. Did I mention how much natural light is in this home? You will be blown away by the outdoor / indoor living in this one of a kind property. The primary suite has been remodeled as well with a huge double vanity, top of the line fixtures, tile flooring, giant vanity mirror, and a floor to ceiling tile and glass shower. Open the barn door to find a large walk-in closet that has tons of organized space, and there are additional linen cabinets to meet all of your storage needs. The Primary bedroom has a slider door which has access to the backyard retreat. The front bedroom is another Primary bedroom with its own en-suite bathroom and walk- in closet. There is a large office or den space with fantastic built-in shelves and desk. This space could easily be enclosed to make a formal bedroom, because there is a third full bath right around the corner. The oversized laundry room has tons of cabinets, Quartz countertops, full size front load LG washer and dryer and a new mud sink and cabinet, and leads out to the two car garage with custom cabinets, a water filtration system, and a newer oversized water heater with recirculation pump. This property is truly one of a kind and has been lovingly cared for over the last 4 years.

7813 N Via Del Sol -- Scottsdale, AZ 85258

$1,280,000
2 Beds
2 Baths
2,229 SqFt
Status Active
MLS # 6729199
Property Type Single Family Residence
Price Type --
Private retreat in the heart of McCormick Ranch. Voted ''Best Home on Tour'' Just as you can't judge a book by it's cover, don't miss the opportunity to see why this home won. Location & Style with amazing upgrades (list in documents tab), makes this beautifully maintained home capture your heart. The 3rd bedroom was converted to the new primary closet (it can always be undone if a 3rd bdrm is needed). Outdoor living with new Bullfrog spa, sparkling pool, built in BBQ, patios from primary & Family room, retractable awning and mature trees has loads of character and class. Office/den area can easily be used as a 3rd bedroom also. Skylights throughout add natural light, while landscaping adds privacy outside. Come fall in love!

15772 E Tumbleweed Drive Fountain Hills, AZ 85268

$1,280,000
5 Beds
3.5 Baths
3,000 SqFt
Status Active
MLS # 6767181
Property Type Single Family Residence
Price Type --
Stunning Mountain Views!! This incredible single level 5 bedroom, 3.5 bath redesigned home is truly one of a kind. Its a perfect split floor plan and checks off all the major boxes. Plenty of natural light. This professionally designed home will give you the feeling you are walking into a magazine cover vacation home. A perfect blend and use of textures. The kitchen features a large custom blue island topped with a stunning brushed natural stone top that changes coloring in the light. It also boasts two sinks for those busy chef days. The back white shaker cabinets offer over sized 42'' uppers , soft close hardware and set above a stunning marble full back splash. All new stainless appliances with the always desired pot filler above the cooktop. The bar prep area makes its own statement. Features include a built in microwave drawer as well a custom cabinetry, wall paper and lighting. The main living space is centered on a floor to ceiling fireplace, luxury vinyl plank flooring and a wall to wall custom beam with one of the largest ceiling fans you will ever see. Primary suite is massive and features a real working fireplace and its own separate sitting room that could also be used as a private office or den. The primary bath suite is a European style wet room. Large walk in shower, soaking tub, floating vanity and a LED mirror all conveniently located next to the large walk in closet. Each of the other 3 bathrooms are individualized so that they make their own statement. One of the bedrooms even has a fun loft. Great chill space to read a book. The garage is an oversized 3 car design with a ton of room for extra storage. The laundry has a large amount of storage with its custom cabinetry. Exterior notes- there is a pool designed for the home with a pool contractor ready to build if so desired. The home was professionally painted, a brand new paver driveway and walkway were just added, new custom garage doors , lighting, reclaimed wood ceiling, all new rock hardscape, waterless plant design, a built in BBQ eat in area, fire pit and plenty of room to add more outdoor entertainment. You will not find another home as unique and amazingly functional as this one. No HOA

5830 E Sierra Sunset Trail Cave Creek, AZ 85331

$1,280,000
4 Beds
3 Baths
3,036 SqFt
Status Active
MLS # 6712582
Property Type Single Family Residence
Price Type --
Stunning Torrey Pines model in beautiful Lone Mountain is nicely upgraded throughout with custom finishes. Designed for views & privacy, the backyard opens to a lush wash & Black Mtn views featuring a spacious travertine paver patio, sparkling pool w/water falls, built in BBQ, and artificial turf. The interior features tile plank floors & timeless neutral tile in the main living areas, new carpet in the bedrooms, shutters throughout, & custom cabinets in the family room. The open kitchen features GE Monogram stainless appliances, including a 48'' gas range w/griddle, granite countertops, beverage fridge at the large island & dining nook. The formal dining & living room offer ample entertaining space that flows to the large shaded patio. The master is split from the 3 BR/2 BA guest wing.

36709 N Stoneware Drive San Tan Valley, AZ 85140

$1,280,000
3 Beds
2.5 Baths
2,731 SqFt
Status Active
MLS # 6763814
Property Type Single Family Residence
Price Type --
You'll feel like home the moment you step into this beautiful Encanterra home. This Alora Plan is perfectly situated on the 16th tee with no fences or block walls to restrict your beautiful golf course, water, and Superstition Mountain views. Sit in the morning room to start your day or step out onto the travertine patio and enjoy the serenity of your surroundings as you watch the sunrise, or sip wine in the evening watching the mountains change in the reflective colors of the sunset. Desirable north south exposure allows you just the right amount of sun or shade along with your large front courtyard. Inside you'll find an amazing open floor plan with plenty of space to entertain or enjoy in your own way. The chef's kitchen is well appointed with high-end appliances, oversized island, granite counter, and cupboard space galore. Plenty of lighting including adjustable over-under cabinet and island lighting for just the right touch and mood. The smart room laundry area is well situated providing extra office, studio, or hobby space to enjoy. Every exquisite detail was carefully considered from crown molding, plantation shutters and upgraded tile throughout. If you're not ready to downsize quite yet or you need a little more elbow room, the 3 bedrooms plus a den will be perfect for you. The master suite with tray ceiling, expansive ensuite and walk-in closet gives you the space and privacy you desire, while guests can enjoy 2 large bedrooms and bathroom. No need to worry about parking or storage for all your toys as you have a 3-car garage with new epoxy flooring with built in cabinets. This home is just a short distance from La Casa and Algarve where you'll find resort style first-class amenities to enjoy including four pools, fitness center, pro shop, boutique, spa, restaurants, bars, pickleball, bocce ball, tennis, art studio and so much more. Abundant walking paths are found throughout the entire community. If you like convenience, you'll love being surrounded by all the shopping, dining, recreation, and entertainment that Queen Creek and San Tan Valley area has to offer. Come see for yourself why it's more than an incredible lifestyle that awaits you here at Encanterra.

4410 E Robin Lane Phoenix, AZ 85050

$1,279,900
3 Beds
3.5 Baths
2,984 SqFt
Status Active
MLS # 6763721
Property Type Single Family Residence
Price Type --
Welcome Home! This single-story gem is located a stone's throw from the A+ rated Desert Trail Elementary School & is surrounded by award-winning parks & lit walking trails. This Desert Ridge residence features an award-winning floor plan and has fantastic curb appeal, a professionally-designed backyard, including stacked stone walls that gives the home a resort-like feel. Gourmet kitchen w/ a walk-in pantry & a large island w/ an enormous amount of storage space with 32 cabinets. Buffet area allows for easy handling of large social events. Add the matching KitchenAid appliance package and a convenient R/O system and you have a dream kitchen. Close to Desert Ridge Marketplace, Loop 101, SR51 and I-17 freeways, hospitals, JW Marriott Desert Ridge, Wildfire Golf Club and more! The master bath is complete with 2 sinks, soaker tub and travertine shower and a huge master walk-in closet as well with plenty of hanger space. The 2 split bedrooms are over-sized and share a Jack and Jill bathroom. The hallway leading to the two bedrooms has a separate full bathroom that allows for being able to handle a high demand for family and guests. There is also a handy powder room located conveniently near the front entry. The dining room is complete with pillars and 12-foot ceilings that open to the living room. The backyard has your own resort feel. The play pool features a pebble-sheen finish and variable pump for easy and affordable care. A large grassy area, mature citrus trees, travertine pavers, convenient walkways and an entertainment area with a built-in bar-b-que really can turn the backyard into a true home vacation getaway. There is a dog run and a roomy Tuff-shed storage unit as well. The large 3-car garage has top of the line built-in cabinets for plenty of storage space and easy access to your water softener. Close to Desert Ridge Marketplace, loop 101, 51 and I-17 freeways, hospitals, JW Marriott Desert Ridge, Wildfire Golf Club and more.

2223 E Sahuaro Drive Phoenix, AZ 85028

$1,279,000
3 Beds
3 Baths
2,558 SqFt
Status Active Under Contract
MLS # 6769057
Property Type Single Family Residence
Price Type --
R E L A X in your one of a kind beach-house in the desert. The sand-colored micro-cement brings good vibes to every room. The smooth walls and dimmable lighting make all of the spaces laid back and easy to hang out in. The king-sized front porch makes saying hi to walking neighbors fun while you enjoy city lights and views of 4-peaks. The kitchen is open and friendly with lots of wonderful storage. Your backyard will be your hangout rendezvous. Behind the privacy wall and RV gate is plenty of storage space for RVs, boats, and toy trailers. The massive 2 car garage is finished in an attractive epoxy chip floor and even has a seprate workshop room in the back! Come see this get-a-way today.

41633 N Bent Creek Court Anthem, AZ 85086

$1,278,900
4 Beds
2.5 Baths
3,437 SqFt
Status Active
MLS # 6763707
Property Type Single Family Residence
Price Type --
This thorough & meticulous update will leave you speechless. Just send the invites... You'll want friends + family to enjoy this comfortable yet spectacular home. Backyard is perfect for a lively party or intimate gathering. The dramatic pool w/ multiple water features terminates at a swim-up bar with a sunken kitchen enveloped by a show-stopping rain waterfall. All expected conveniences are at hand, so you may need to reconfigure your lifestyle to spend more time right here! Mountain views with no homes facing, behind or to one side. Inside, almost nothing has been left undone: Floors, kitchen, baths, paint, HVAC, plumbing, fireplaces, fixtures, hardware... All with casual elegance, timeless style & eye toward long-lasting convenience & comfort. A MUST-SEE!

3947 E Crest Lane Lane Phoenix, AZ 85050

$1,278,880
4 Beds
3.5 Baths
3,538 SqFt
Status Active
MLS # 6763656
Property Type Single Family Residence
Price Type --
Welcome to your dream home in Aviano at Desert Ridge! This vibrant community offers walking trails, a resort-style pool, tennis courts, state-of-the-art workout facilities, a business center, and activities for all ages. This beautifully remodeled 4-bedroom, 3.5-bath home with 2 bonus rooms features stunning contemporary finishes. The heart of the home is the open-concept kitchen, complete with a custom quartzite waterfall island and brand-new Wolf appliances, including a gas range. Step outside to your private oasis, where you can unwind by the pool with a newly tiled water feature and gas fire pit. The luxurious primary suite offers a serene sitting area and a spa-like bath with a soaking tub. With a prime location and a 3-car garage, this home has it all!

43909 W Us-60 Highway Wickenburg, AZ 85390

$1,275,000
3 Beds
2 Baths
1,152 SqFt
Status Active
MLS # 6725364
Property Type Manufactured Home
Price Type --
PRICE IMPROVEMENT!! Set back right off HW60 with your own private road leading to a meticulously maintained 3-bedroom, 2-bathroom home. Featuring covered porches located on opposite sides of the home, perfect for relaxation and enjoyment of the serene surroundings no matter what time of day. Live in the home permanently, or just while you build your dream home and then have the opportunity to turn it into income property! No matter if you aspire to immerse yourself in ranch life or seek the perfect horse property with ample space and privacy, this property promises the perfect blend of functionality and comfort. With opportunities to indulge in the incredible lifestyle of ranch living with this property boasting custom-built barns, outbuildings, and expansive space tailored for horses and cattle. Nestled within stunning surroundings, the property borders state land on the South and West sides and provides your own private access. The outbuildings are one of a kind, and meticulously crafted by the original and only past owners. Along with the custom brick enclosed grill, 2 smoker pits or use them for delicious dutch oven cooking, creative tack room, loading chute and all the other features that truly make this property unique and special. You will never have an opportunity to own another home like this one. With your own private well and just over 19 flat, fully fenced and flood zone free acres the possibilities are endless. The property is also split into two parcels for additional options and opportunities. Seller is also open to selling parcels separately. Seize the rare opportunity to call this stunning property HOME!

235 Airport Road Sedona, AZ 86336

$1,275,000
3 Beds
2 Baths
1,672 SqFt
Status Active
MLS # 6753440
Property Type Single Family Residence
Price Type --
Welcome to the Wild Wild West, where this Historic property tugs on your heart & has you crooning the songs of Sedona yesteryear. The home itself is a Cowboy Bunkhouse, & according to the seller, it is older than County record: it was actually built in 1918. Original features like a wood burning fireplace, sloped living room ceiling, red rock interior, & unique wood walls throughout have been updated with modern amenities like insulation, new sliding glass doors & windows, & easy to clean luxury vinyl plank flooring. The oversized lot has an outdoor game room area in place of the old carport, plus a two-car garage that has a large workshop area inside. Sweeping views of Thunder Mountain & Coffee Pot Rock take your breath away. It is only a block up the road to Airport Vortex Trailhead. Home is an active Airbnb licensed with the City of Sedona, with the Seller having Superhost status, currently 274 reviews & plenty of bookings lined up for the rest of the year. Property is being sold turn key, fully furnished, with the exception of some personal items. This Historic Cowboy Bunkhouse will serve as an excellent vacation home, primary residence, or investment property. Fun fact: when the neighboring subdivision of Saddlerock was previously a sprawling ranch decades ago, the Cowboys would work 12 hour shifts then come back to this Bunkhouse to sleep. Enjoy the efforts of those Cowboys all these years later, & have a fully fenced backyard plus perimeter fencing to give you ample privacy, & enjoy peace of mind with a new roof & new eco-conscious mini splits. There is a pergola to revel in a warm summer's day, two raised yoga /pilates/meditation decks, & a fully turfed yard to play with Fido during Golden Hour. Soaking in the hot tub underneath the stars is sure to stoke the fire in your heart for our sweet little Sedona. Zoned to possibly split or build a casita, your options abound. Come feel what it's like to walk to multiple trailheads less than a half mile away, be in awe of Red Rock views, and vibe with the colorful history of the Southwest.

43320 N 11th Street New River, AZ 85087

$1,275,000
3 Beds
2.5 Baths
3,120 SqFt
Status Active
MLS # 6714157
Property Type Single Family Residence
Price Type --
Welcome to your future dream home! This proposed new construction offers an exciting opportunity to create the perfect living space designed for your lifestyle. Once contracted, this thoughtfully designed floor plan will be built to meet the highest standards of quality and modern design. This spacious ranch offers over 3,120 square feet of living space, featuring a well-appointed design to facilitate bonding with friends and family. The primary suite includes dual closets and an oversized bathroom that can be upgraded for a more luxurious experience. The price covers the lot, base home, site preparation, around $100K in upgrades, and an RV garage. To begin the process, Adair Homes must be contracted for construction. The buyer will first purchase the lot from the seller, and then engage a builder specializing in build on your own lot projects. You'll work directly with the builder to select the floorplan, elevation, and finishes to customize the home to your preferences. For added convenience, the builder's preferred lender can streamline the financing process with a single loan that covers the lot purchase, site improvements, home construction, finishes, and the long-term mortgage. The entire construction timeline is estimated to take up to 12 months from the time the new home construction contract is signed, offering a realistic timeframe for bringing your vision to life. This is a unique opportunity to build your custom home in a setting that combines the best of modern living and nature. Don't miss out on the chance to create a home that is truly yours!

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