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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11729 N 134th Street Scottsdale, AZ 85259

$1,195,000
3 Beds
3.5 Baths
2,787 SqFt
Status Active
MLS # 6759821
Property Type Single Family Residence
Price Type --
Luxury Gated Community hidden from the bustle but convenient to all. Single-level SPLIT ALL ENSUITE plan with NO INTERIOR STEPS. Attached Casita option with private entrance. Entertainer's Dream Great Room concept w/soaring ceilings, bright natural light and gas fireplace. True Chef's Kitchen w/Gas dual oven Wolf Range w/ pot filler, wall ovens and warning drawer, Sub-Zero fridge and beverage drawers plus wine cooler. Formal and Informal dining spaces plus island breakfast bar. Powder Room, Private Office w/Closet. Primary Suite features fireplace, rear yard access and spacious bath and walk-in closet. All with McDowell Mountain VIEWS! Garage has charging station! Pre-Listing Insp. available upon request. All minor corrections from inspection completed! MOVE-IN READY

2995 W Pinto Place Wickenburg, AZ 85390

$1,195,000 - 3Br/2Ba -  for Sale in Saddle Ridge West Phase 1, Wickenburg
New
$1,195,000
3 Beds
2 Baths
2,734 SqFt
Status Active
MLS # 6779164
Property Type Single Family Residence
Price Type --
Culinary Haven & Garage Paradise in Saddle Ridge! Luxurious and meticulously crafted, this property offers an exquisite open-plan living area with dual patio access, enhanced by a gas log fireplace and remote for cozy evenings. The kitchen boasts Kropf Craft custom cabinets, Calcutta Quartz countertops, and professional-grade appliances, including double ovens and a 5-burner gas range. A spacious den/office and large laundry/utility room with butler's pantry add convenience. Retreat to the master suite featuring a dual-zone shower and custom-built closet. Energy-efficient amenities include a Four-zone HVAC system and foam insulation throughout. The exterior boasts El Dorado stone veneer, a custom handcrafted front entry door, and a fully finished detached 3-car garage/workshop. Culinary Haven & Garage Paradise in Saddle Ridge! Luxurious and meticulously crafted, this property offers an exquisite open-plan living area with dual patio access, enhanced by a gas log fireplace and remote for cozy evenings. The kitchen boasts Kropf Craft custom cabinets, Calcutta Quartz countertops, and professional-grade appliances, including double ovens and a 5-burner gas range. A spacious den/office and large laundry/utility room with butler's pantry add convenience. Retreat to the master suite featuring a dual-zone shower and custom-built closet. Energy-efficient amenities include a Four-zone HVAC system and foam insulation throughout. The exterior boasts El Dorado stone veneer, a custom handcrafted front entry door, and a fully finished detached 3-car garage/workshop. Enjoy outdoor living with back access to a bike/walking path and close proximity to Sunset Park. Additional highlights include an extensive security system, cameras and lights, fully screened back patio, fenced yard, and Rust-Oleum rock solid epoxy floors in the garages, garden room, and back patio. This home epitomizes luxury living with thoughtful design at every turn. Be sure to check out the List of Features in the Documents tab.

22901 E Camacho Road Queen Creek, AZ 85142

$1,195,000
4 Beds
4.5 Baths
4,314 SqFt
Status Active
MLS # 6778628
Property Type Single Family Residence
Price Type --
Located in the highly desirable community of Spur Cross. Every structural upgrade was included! 12' ceilings in great room/kitchen, huge 20' center slider, 8' nook slider, Executive Gourmet Kitchen with 36'' gas cooktop, SS hood, double convection ovens, built-in microwave and so much more! Everyone will have plenty of living space with 4 BD (one is a 2 BD Gen Suite with separate entry), 4.5 BA and 4 car gar,. Includes a gym that opens up to the courtyard via a pocket slider. Plus a bonus room that can be used as a game or rec room. The entire home has Calypso Oak LVP. The large (1/3 acre) south facing backyard includes a stone gas fireplace, spa, pavers, turf, with 4 large custom planters. What are you waiting for? This one won't last long!

5833 W Desperado Way Phoenix, AZ 85083

$1,195,000
4 Beds
4.5 Baths
3,810 SqFt
Status Active
MLS # 6759873
Property Type Single Family Residence
Price Type --
Welcome to the epitome of luxury living in Stetson Valley! This highly upgraded, meticulously cared for home is unlike any other. It's rare that a 3800+ sq/ft, single level home, in a quiet cul-de-sac lot, w/ gorgeous mountain views, complete privacy, and a long list of upgrades becomes available in Stetson Valley. The OWNED SOLAR (2 Tesla Powerwalls) stores energy for later use and allows home to operate off-grid. The 12.75kW Tesla solar panel array services entire property and can eliminates electric costs completely! In fact, APS provides the owner w/monthly credits that result in an annual check! Tesla Supercharger for vehicle charging. More 'big ticket' improvements include: NEW ROOF (2023). NEW 80-gallon water heater & exterior paint (2024), NEW GE Cafe Side-by-Side Refrigerator! Step inside and you'll appreciate the open floor-plan and abundant views of the surrounding mountains. There is a 'zero threshold' at the front door for ADA accessibility and easy moving. Each of the 4 bedrooms are spacious in size and include an en-suite full bathroom. Each bedroom has brand new carpet installed. There is plenty of space to spread out by taking advantage of the open study/den space and the dedicated dining room - both complete with real hardwood flooring, and custom high-end chandeliers. Dimmable lighting is available throughout. Real wood shutters. The primary suite is a perfect owner's retreat and includes a serene sitting area that overlooks the flowing water coming from the multiple pool fountains - as well as the stunning sunsets over the mountains. Primary bath features walk-in shower, a deep soaking tub, and an oversized walk-in closet. Head over to the kitchen to take in the 10-foot-wide granite island, stainless steel appliances (Bosch & Viking brand), and the walk-in pantry. RO drinking water and soft water systems are newer installs. 12 foot ceilings in living areas and primary bedroom, 10 foot ceilings on secondary bedrooms. This oversized 3 car garage provides ample space for a work area, and has epoxy floor paint, a large stainless-steel sink, and an abundance of custom lighting. Just inside the garage door is a spacious laundry room equipped with another stainless-steel sink, 2 dedicated circuits for a fridge and freezer, and option to install a gas or electric dryer. ADT wired and Frontpoint Wireless alarm systems are both available, plus two installed cameras and window/door sensors installed. This home's curb appeal is truly special and impresses at first site! The high-end turf, the meticulously maintained plants, and the entry/courtyard smooth patio pavers set the tone for the luxury vibe that awaits inside and out. Irrigation lines, and drainage pipes are installed in the courtyard - enabling for a 'no mess' watering and drainage setup. The backyard is something to marvel - with a clear view of surrounding mountains, and plentiful upgrades to enjoy and create lifelong memories with, including: a heated, pebbletech saltwater pool, equipped with baja step, in floor cleaning system and cascading water feature fountains. The spa flows graciously into the pool for extra ambiance. There are 2 hard plumbed gas-powered BBQ grills - perfect for cookouts, with spacious bar and island seating for guests. Newly installed landscaping lighting. Gas firepit with seating bench. Don't forget the custom putting green to help sharpen up your golf short game! Home is just 2 mins walk to one of Deer Valley School District's newest K-8 Schools (Inspiration Mountain). Lot adjacent to school is slated for a community/city park! it's just 10-15 mins to I-17 and retail/dining/entertainment options at The Shops at Norterra. Take the 3D virtual tour to fully capture the beauty and essence of this truly special property and plan a tour today!

15060 N Forever View Lane Prescott, AZ 86305

$1,195,000 - 3Br/3Ba -  for Sale in Talking Rock Ranch Phase 5 B, Prescott
New
$1,195,000
3 Beds
3 Baths
2,064 SqFt
Status Active
MLS # 6783023
Property Type Single Family Residence
Price Type --
Nestled in an incredible location overlooking the golf course and a peaceful pond, this beautifully upgraded Ranch Cottage offers easy access to the clubhouse, just a short walk away. Inside, you'll find elegant porcelain wood-look tile throughout, a bright and inviting kitchen with a generous island, wine fridge, and ample storage. The spacious great room is highlighted by wood-beamed ceilings and a cozy fireplace surrounded by art niches. The 2-car garage includes a separate third bay specifically for your golf cart. Step outside to an extended patio with a built-in firepit, perfect for enjoying the serene views year-round. Talking Rock is a gated private community for members only with four seasons of golf, on-site dining options and wellness focused amenities & lifestyle.

7750 N Via De Frontera -- Scottsdale, AZ 85258

$1,195,000
3 Beds
3 Baths
2,456 SqFt
Status Active Under Contract
MLS # 6778224
Property Type Townhouse
Price Type --
Well-cared townhouse on a waterfront lot exuding charm and comfort! Be greeted by a 2-car garage, grassy front yard, and a very private courtyard perfect for enjoying your morning coffee. Inside, a hallway leads you toward the sunken living room, boasting a built-in sofa, media niche, sliding doors to the backyard, and a wood-burning fireplace. Pre-wired surround sound, fire sprinklers, and skylights can also be found throughout the house! The formal dining room is perfect for having a feast. The kitchen is equipped with built-in appliances, a walk-in pantry, an L-shaped island w/breakfast bar, Corian counters, tile backsplash, a wine cooler, and a plethora of wood cabinets. Retreat to the owner's suite to find a sitting room with backyard access and a built-in desk. The main bathroom has a dual sink vanity, a floor-to-ceiling tiled shower, and a walk-in closet. All bedrooms are carpeted for comfort and feature their own outside access. Discover a fabulous backyard with stunning lake and golf course views, colorful desert landscaping, a covered patio, a fire pit, and a door leading to the multi-use path that runs directly behind the home. Located close to restaurants, entertainment, and shopping. You don't want to miss this excellent property in the highly coveted McCormick Ranch!

26601 N Aguila Road Rio Verde, AZ 85263

$1,195,000
4 Beds
2.5 Baths
3,002 SqFt
Status Active
MLS # 6760527
Property Type Single Family Residence
Price Type --
THIS HOME WILL SURPRISE YOU WITH ALL OF THE ELEGANT TOUCHES. PREVIOUS OWNER IS A DESIGNER SO EVERYTHING IS TASTEFULLY DONE. LOTS OF ROOM FOR COMPANY WITH 3 BEDROOMS & 3.5 BATHS PLUS DEN THAT COULD BE A BEDROOM. STORAGE GALORE W/ TONS OF CLOSETS, INSIDE UTILITY ROOM, SPACIOUS LAUNDRY ROOM COULD BE USED FOR HOBBY/CRAFTS. GARAGE CABINETS AND WORKBENCH. THE BACKYARD IS YOUR OWN LITTLE RESORT WITH A FENCED YARD, POOL w/WATER FEATURE; PATIO & VIEWS OF MOUNTAINS TO THE EAST. THIS HOME IS OFFERED COMPLETELY FURNISHED! MOVE RIGHT IN AND ENJOY ALL THE AMENITIES OF TONTO VERDE: TWO CHAMPIONSHIP COURSES (MEMBERSHIP OPTIONAL), PRIVATE RESTAURANT, 18 HOLE NATURAL GRASS PUTTING COURSE, SNACK SHACKS, FITNESS CENTER, HEATED POOL & SPA, BOCCE BALL. BRAND NEW PARK w/PICKLEBALL COURTS & DOG PARK SOON.

2276 E Mercer Lane Phoenix, AZ 85028

$1,195,000
4 Beds
3 Baths
2,883 SqFt
Status Active
MLS # 6768209
Property Type Single Family Residence
Price Type --
FULLY upgraded home in the Shea Heights neighborhood in Paradise Valley with amazing mountain views. Four (4) Bedrooms and three (3)baths home with pool and spa located next to the Phoenix Mountains Preserve with views! Walk straight to the hiking trails or Christy Cove City Park. This house has a spacious entertaining, vaulted ceiling great room with fireplace next to the large open kitchen with large central island and more dining space! Main bedroom suite is located on main floor with ensuite bath. There is an additional ensuite bedroom upstairs with balcony and mountain views making the perfect home office, in-law suite, or turn into rental. PARADISE VALLEY SCHOOL DISTRICT. MINUTES FROM THE 51 and Cactus. New electric, kitchen, bath, windows and doors. Come take a look for yourself!

3473 W Mountain Vista Drive Phoenix, AZ 85045

$1,195,000
4 Beds
4 Baths
3,210 SqFt
Status Active
MLS # 6782136
Property Type Single Family Residence
Price Type --
Welcome to modern luxury living at its finest in this stunning 2019 Taylor Morrison home nestled behind the gates of Promontory at the Foothills in Ahwatukee. This single-level home is located steps away from the park and features stunning panoramic mountain views and extensive upgrades. This home is not only impeccably maintained but has more upgrades than you can imagine. (Refer to the document tab for a complete list!) This Crestone floor plan features not only 4 bedrooms but 4 FULL baths! All bedrooms feature walk in closets and 3 of them have ensuite baths! The 4th bath is located just off the hallway making it convenient for guests. All bathrooms have upgraded cabinetry, Quartz countertops, along with custom tile work in tub and/or shower! Plantation shutters throughout the home allow for abundant natural light. Tile flooring creates a consistent pattern throughout the main living space giving it a clean and inviting atmosphere. The bedrooms, on the other hand, provide a cozy retreat with newly installed Berber carpet that adds warmth and texture. The heart of the home is the open-concept kitchen and great room, with soaring ceilings. Designed for culinary enthusiasts, the gourmet kitchen features a massive island with granite countertops and a apron front farmhouse sink, offering a sophisticated and understated elegance perfect for casual dining or entertaining. You will find high-end french stainless steel appliances, including double wall ovens, a gas cooktop, and modern white cabinetry. The walk-in pantry offers extensive storage and easy access to pantry staples. The primary suite is a peaceful retreat, featuring an extended master bedroom and a spa-like master bathroom with even more storage for towels and linens. The oversize shower and large walk-in closet is sure to please! The three-car garage has convenient overhead storage racks keeping things organized and tidy. Just when you think it couldn't get any better, imagine a home where indoor living seamlessly transitions to outdoor living. Cornerless sliding doors with floor-to-ceiling glass open up effortlessly to the outside, making it the perfect space for entertaining and enjoying the beautiful Arizona weather. The outdoor patio features remote-controlled rolling sunscreens and has plenty of room for your outdoor dining table, a ping pong table, or whatever your heart desires! Your weekends will be filled with enjoying friends and family time while watching your favorite team under this custom-designed pergola complete with a custom-designed outdoor kitchen! The low-maintenance backyard with artificial turf will free up your time to relax and enjoy the outdoors with a four-burner gas grill, Bluetooth speaker sound system, fire table, refrigerator, drop-in cooler, flat-screen TV, and electric fireplace footwarmer. Some days you will just enjoy the serene mountain views, the amazing sunsets, the stargazing, and the peaceful overall setting. You will be reminded daily of the beauty and appreciation of living in Ahwatukee here. And if this isn't enough, the hiking trails are just a stroll away, along with convenient shopping and dining, easy freeway access, and the top-ranked Kyrene School District...Welcome Home!

819 S 3rd Avenue Phoenix, AZ 85003

$1,195,000
7 Beds
2 Baths
3,267 SqFt
Status Active
MLS # 6732426
Property Type Single Family Residence
Price Type --
Attention Investors and Visionary Buyers! Discover a rare and valuable opportunity. Where a distinctive residence meets a prime investment prospect. This unique property includes not only a beautifully maintained home but also an adjacent vacant lot, offering limitless possibilities for future development. Situated in a rapidly expanding area near downtown Phoenix, this property benefits from the neighborhood's impressive growth trajectory. The Roosevelt area is quickly becoming one of the most sought-after locations, making this a strategic investment opportunity. Charming Home: Step into a residence with a unique design and historical charm. The inviting atmosphere is highlighted by an elegant hardwood floors, and large windows that fill the space with natural light. Come take a look

262 E Saddleback Trail Payson, AZ 85541

$1,195,000
4 Beds
2.5 Baths
2,378 SqFt
Status Active
MLS # 6738248
Property Type Single Family Residence
Price Type --
Unobstructed Rim Country VIEWS + privacy in every direction! This custom single-story is masterfully crafted with views, energy efficiency and durability in mind. From the Engineer cement siding to the 16' x 48' Trex rear deck, to the top-of-the-line Thor appliances in the fabulous kitchen, every detail and finish have been carefully selected to create a luxurious reprieve from everyday life. The home is expertly positioned on the 1.7 acres lot to maximize privacy and ensure every room has windows framing the picturesque views that are most treasured in The Knolls Community. The oversized 3 car garage has a bonus workshop for additional toys or fun! A fully fenced side yard is perfect for furry loved ones & kids. Close to the Natural Forrest, great hiking & minutes from GOLF!

3126 E Wildhorse Court Gilbert, AZ 85297

$1,195,000
6 Beds
4 Baths
5,993 SqFt
Status Active
MLS # 6748920
Property Type Single Family Residence
Price Type --
This large family home is located in the heart of Gilbert, near the San tan mall and other amenities. This great home is calling for your name. Formal dining led you too the open kitchen with granite countertop, custom cabinets and stainless-steel appliances. All large bedrooms with walk-in closet upstairs, and a great oversized loft. On a hot summer day, take a dive in the swimming pool in the backyard with water feature.

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