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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37907 N 17th Place Phoenix, AZ 85086

$1,175,000
4 Beds
3 Baths
3,059 SqFt
Status Active
MLS # 6736434
Property Type Single Family Residence
Price Type --
Welcome to this gorgeous North Phoenix home, a true gem offering luxurious living on over an acre of land. This property features a custom casita, perfect for guests or rental income, currently generating $1,450 per month. The main house and the casita host 4 spacious bedrooms, 3 bathrooms, den office and a 3-car garage. The centerpiece of outdoor living is a beautiful brand new sparkling pebble sheen fenced pool, providing a refreshing retreat in the desert heat. Enjoy stunning mountain and desert views from every angle of this pristine home. Step inside to be greeted by 14-foot ceilings adorned with custom dark beams, enhancing the sense of space and elegance. The kitchen is a chef's dream with a beautiful breakfast bar illuminated by pendant lighting. This property is equipped with three iron gates, offering ample access and convenience. The cozy, full-length back patio is perfect for relaxing and watching the scenic Arizona sunsets. Although this is a horse property, it does not currently have any horse facilities, giving you the flexibility to customize it to your needs. The home is in pristine condition, surrounded by many new custom homes. Located just 5 miles from Scottsdale, this home is close to hiking trails, golf courses, downtown Cave Creek, and much more. Embrace the fantastic lifestyle this North Phoenix home offers!

1510 W Horsetail Trail Phoenix, AZ 85085

$1,175,000
4 Beds
3.5 Baths
4,375 SqFt
Status Active
MLS # 6643662
Property Type Single Family Residence
Price Type --
Welcome to Sonoran Foot Hills! This reimagined home features modern light oak-style flooring & spacious open layout seamlessly connecting the living, dining, and gourmet kitchen areas. The kitchen boasts GE Profile stainless steel appliances, including wall ovens and a gas cooktop. Enjoy modern convenience with remote-controlled blinds and custom exterior sunshades. With 4 Bedrooms, 3.5 Bathrooms a loft & office the floorplan has something for everyone The lavish master suite offers a private retreat with an oversized closet. Outside, the backyard is a standout with putting green, sparkling pebble tec pool w/ water features and built in BBQ. Property on over 2/3 Acre lot and non-obstructive mountain views, this home blends elegance with functionality in a serene private escape.

17304 E Alta Loma Drive Fountain Hills, AZ 85268

$1,175,000
3 Beds
2.5 Baths
2,457 SqFt
Status Active
MLS # 6692629
Property Type Single Family Residence
Price Type --
Welcome to your own private oasis nestled in the highly coveted gated neighborhood of Arriba Del Lago. Located just steps from the fountain with breathtaking fountain and Red Rock mountain views from nearly every location in the house. The front patio with private pool is the perfect spot to enjoy all that nature has to offer. Sliding doors from the large Dining/Family room open to your front oasis from the heart of the open kitchen with brand new appliances. The living room provides a cozy space for gathering around Fire and connects seamlessly. Primary bedroom has a private retreat at rear of the home where tranquility abounds. Primary bath has been updated with all modern updates, A huge office/bedroom and guest room both have private patios at the back of the house. Freshly painted

13007 W Lowden Road Peoria, AZ 85383

$1,175,000
4 Beds
4.5 Baths
4,676 SqFt
Status Active
MLS # 6710940
Property Type Single Family Residence
Price Type --
Resort living at its finest in N Peoria. This remarkable home blends luxurious living w serene surroundings, offering a haven of comfort & sophistication. The expansive interiors are bathed in natural light, creating a welcoming ambiance throughout. A chef's kitchen awaits, boasting top-tier appliances, perfect for culinary enthusiasts & entertaining guests alike. Retreat to the spacious bedrooms, each a peaceful sanctuary with tranquil views and walkins. Outside, the meticulously landscaped backyard features a sparkling pool w water slide & 6 person grotto under the waterfall, putting/chipping green, outdoor gym & covered patio, ideal for enjoying Arizona's stunning sunsets. More... Located in a coveted neighborhood, this residence offers convenience w proximity to a rated school You'll find a separate den & game room, providing versatile spaces for work & play. As you make your way upstairs, you'll be delighted to discover a state-of-the-art movie theater room. This bonus room has been transformed into a cinematic oasis, perfect for enjoying your favorite movies w family & friends in the comfort of your own home. One of the standout features of this property is the impressive wine cellar, perfect for wine enthusiasts & connoisseurs. It offers a space to store and display your collection, creating a truly unique & luxurious experience. This luxurious home offers 4 spacious bedrooms, including a magnificent owner's retreat w a well sized sitting room. The highlight of this home is the impeccably customized walk-in closet, designed with the most meticulous taste in mind. Step outside into a resort-style backyard oasis, where you'll be captivated by a sprawling pebble finish heated pool complete w a grotto, waterfall & waterslide. The backyard also features a putting green with a sand trap, catering to golf enthusiasts and adding a fun recreational element to the space. Parking is never an issue with the convenience of a 5-car garage, an extra parking slab and RV Gate, providing ample space for vehicles & storage. Additional features of this remarkable property include new floors throughout, new picture windows, granite and stone features & impressive 20' ceilings. This is a rare find that offers the perfect blend of luxury & comfort. Don't miss the opportunity to own this remarkable property in beautiful Vistancia. Your new home has been lovingly cared for, allowing you to move right in & start creating memories.

2827 E Bellerive Drive Gilbert, AZ 85298

$1,175,000
4 Beds
4 Baths
2,709 SqFt
Status Active
MLS # 6712904
Property Type Single Family Residence
Price Type --
This is the home you have patiently been waiting for to come on the market! This stunning single-story, 4 bedroom, 4 full bathroom home with a mini-split air conditioned 3 car garage (with extension) in Gilbert, AZ is everything you have been dreaming of! Nestled on a North/South corner lot in a gated community, with a private entry attached casita, and magnificent OASIS backyard, your new home will have you dazzling with excitement with every corner you turn. As you pull up to the home, take notice of the stuccoed planter in the courtyard and spectacular pots out front, along with the pavers that have been power-washed and professionally sealed in the driveway & courtyard. You'll be impressed by the opulent residence with soaring ceilings and an elegant color scheme throughout. The spacious great-room allows you to entertain family & friends, while enjoying the breathtaking backyard views, with the 12 foot - 3 panel sliding glass door wall; perfect for merging indoor & outdoor activities. The formal dining room boasts a chic chandelier, an elegant accent wall, paired with intricately patterned tiled flooring, complemented by a neutral border. Your new gourmet chef's kitchen has exquisite soft close maple drawers & cabinets w/crown molding, upgraded pots & pans drawer, trash & recycle center, mosaic tile backsplash, granite countertops, stainless steel farmhouse single bowl sink w/ upgraded faucet & reverse osmosis, walk-in pantry, an island with a breakfast bar and separate breakfast dining nook, built-in appliances, (w/ stainless steel double ovens, gas cooktop, microwave, dishwasher, upgraded wall mounted cooktop hood) and so much more! The main home has 3 bedrooms, 3 full bathrooms, along with an additional den - conditioned as a study with built-in bookcase, electric fireplace and ceiling fans in every room. The sizable primary bedroom boasts a lavish ensuite w/dual sinks, a soaking tub, separate shower, walk-in closet w/ additional built-ins for extra shoes & storage and a private exit to the backyard. The amazing casita with 1 bedroom and 1 full bathroom at the front of the home, provides private living quarters with its own entry to the home, a tiled living room, kitchenette-complete with mini fridge, built-in microwave, cabinets and sink, carpeted bedroom and deep walk-in closet. The resort-like backyard is an entertainer's dream, complete with a relaxing covered paver patio with ceiling fans, paver pathways, built-in stainless steel grill & ice chest, complimented by a built-in raised travertine table with a seating area & flagstone base, soothing landscape with synthetic grass and additional walkway pavers, a swimming pool with eye-catching water features, along with color changing lights in the swimming pool and along the picturesque landscaping, not to mention the inviting gazebo with ceiling fan, with a built-in gas fireplace with flagstone veneer, right next to the outdoor kitchen for hosting late-night BBQs. Are you a pet lover? Don't forget to check out the private, closed-in fully landscaped pet run on the east side of the backyard, with synthetic grass, sprinklers, pet door, trees & plants galore! On the west side of the home, take a look at the shaded pond, chicken coop with multiple fans & private nesting area. Your new 3 car garage is a dream! It's not only a full 3 car garage, but it extends deeper on one side to give you extraordinary additional garage space/storage. Built in cabinets, epoxy flooring and BRAND NEW 2 ton mini-split air conditioning unit included. Pool w/ 48 square tile tabletop, color logic, color changing 320 LED lights, 10LF trough water feature, beach shelf (baja step) w/in floor cleaning system, new Hayward TriStar VS950 pool pump, A&A low profile in-floor cleaning system. Bose speakers with individual speaker controls at the patio. Additional surround sound in the great-room, primary bedroom, den, all with individual speaker controls as well. There is SO MUCH to see in this home and yards. Be sure to ask your real estate professional to show you the lists of upgrades done in this magnificent home, as well as the extensive list of the fruit and vegetable trees/plants that are placed throughout your one of a kind backyard!

10050 E Mountainview Lake Drive Unit 2 Scottsdale, AZ 85258

$1,175,000
2 Beds
3 Baths
2,501 SqFt
Status Active
MLS # 6734253
Property Type Townhouse
Price Type --
Indulge in resort-style living in Mountainview Lake Estates, an exclusive gated enclave of 68 gated townhomes with a charming Spanish Colonial ambiance, lush lawns, vibrant flowers, and palm trees. The 2,501sf home features a stunning living room with a 20+ foot clerestory wall of windows, a vaulted tongue-and-groove wood ceiling, and panoramic views. Furnishings are available on a separate Bill of Sale, ensuring a memorable turnkey experience. The updated kitchen includes a charming breakfast room, and the north-facing patio is ideal for alfresco dining. A paneled den adjoins the foyer. Upstairs, two primary suites offer spa-like bathrooms and scenic views of the lagoon and the McDowell Mountains. Residents can enjoy their two community pools- The Lagoon and the Lion's Head. In addition residents have access to the Scottsdale Ranch Community Center and Tennis. The community is near by all of Scottsdale's fine dining, shopping, and entertainment options.

31811 N 16th Avenue Phoenix, AZ 85085

$1,175,000
5 Beds
4.5 Baths
4,830 SqFt
Status Active
MLS # 6735613
Property Type Single Family Residence
Price Type --
Look at the Price per square foot! Prepare to be captivated by this awe-inspiring Santa Barbara-style residence, boasting 5 spacious bedrooms and 4.5 luxurious baths, along with a generous finished basement that's perfect for entertaining or relaxation. The exterior charm features a striking stone façade, a 3-car garage, and meticulously designed desert landscaping that complements the inviting courtyard, creating an ideal first impression. Inside, the interior showcases elegant new wood floors in both the family room and kitchen, enhancing the overall aesthetic. A cozy two-way fireplace serves as a focal point for both the family room and den, while an abundance of dual pane windows floods the space with natural light. The formal dining room is perfect for gatherings. The spacious den can serve as a quiet retreat or home office. The fully finished basement, complete with new carpet in the bedrooms, provides additional living space for guests or family activities. Culinary enthusiasts will appreciate the chef's dream kitchen, fully equipped with a brand-new oven, an expansive island featuring a breakfast bar, a walk-in pantry, and ample cabinet space for storage. The romantic owner's suite is a true sanctuary, offering private access to the serene backyard, and a spa-like bathroom complete with dual sinks, a separate tub and shower, and a generous walk-in closet for all your storage needs. Step outside to discover an entertainer's dream backyard, where you can unwind around the gas fire pit beside the sparkling pool, indulge in the built-in BBQ for alfresco dining, and relax in the spa while soaking in the breathtaking mountain views. This splendid home combines elegance, comfort, and functionality in a way that is truly unforgettable. A must-see gem that you won't want to miss!

1931 E Paso Nuevo Drive Phoenix, AZ 85086

$1,175,000
4 Beds
3.5 Baths
3,092 SqFt
Status Active
MLS # 6756202
Property Type Single Family Residence
Price Type --
Come and enjoy this beautifully nestled single-family home on a private and paved road that offers the best of Desert Hills living! - a rare find in this peaceful, scenic area. Inviting circular, paver driveway & courtyard entry. An open-concept, split floorplan features 4 spacious bedrooms + den and an office with 3.5 luxurious baths, ideal for those seeking both space and modern amenities. Sprawling island-kitchen boasts loads of beautiful soft-close cabinetry, quartz counters, stainless appliances and walk-in pantry. Owner's suite with dual-vanities, walk-in shower, soaking tub, walk-in closet and private exit to backyard. Relax in your private and fully landscaped resort backyard with heated pool & spa, expansive Alumawood pergola/patio, and easy-maintenance turf. Three-car extended garage, ideal for vehicle storage or a workshop. For those looking for energy efficiency, the property boasts a highly updated solar system complete with a full back up Tesla Powerwall battery system boasting 40.5 kwh of back up storage, significantly reducing energy costs while providing peace of mind. A customized water cleaning/softening system with arsenic removal and UV light cleansing. With NO HOA, you'll have the freedom to personalize your property and enjoy the serene desert lifestyle without restrictions. Whether you're entertaining guests or enjoying a quiet evening under the stars, this home is a true Desert Hills gem. Come experience this rare opportunity today!

4402 E Montecito Avenue Phoenix, AZ 85018

$1,175,000
4 Beds
3 Baths
2,105 SqFt
Status Active
MLS # 6755246
Property Type Single Family Residence
Price Type --
If Arcadia is where you want to live, now is your chance. This beautiful 4 bedroom/3 bath/2 car garage home went through a major refresh in 2018, including electric, plumbing, and addition. Even the power lines have been buried. Thoughtful attention was given to the kitchen including an extended cabinetry area, quartz counters, stainless appliances, and an island perfect for four barstools. Primary bedroom has a nice sized walk-in closet and a gorgeous ensuite bathroom. Other bedrooms are spacious with areas for beds, desks, toys and storage. Dual French doors lead to the back yard which has been generously refurbished with private courtyard area and an extended paver area for entertaining. There is plenty of room for fun or parties. Enjoy morning coffee from your front yard court yard. The entire home is done in neutral colors so bring your favorite colorful furniture, accent pieces and art work for display.

11044 N 36th Street Phoenix, AZ 85028

$1,175,000
4 Beds
2 Baths
2,169 SqFt
Status Active
MLS # 6756829
Property Type Single Family Residence
Price Type --
Rare half acre lot in Phoenix! Amazing renovations recently done on this charming 4 bed/2 bath house on enormous lot! Press coffee, the newly renovated Paradise Valley Mall area, all the shops/dining at Tatum & Shea are only minutes away, and direct 51 freeway access is a 2 minute drive from your house. House opens up directly to large living, dining, and kitchen space, perfect for entertaining. Large backyard with mature landscape and plenty of room for entertaining or putting in a new pool. There is a separate office space in the in backyard as well as a large separate garage space with 952 sq/ft that could be turned into an income property, mother in law suite or workshop with separate entrance and private backyard space. Incredibly unique property in the heart of the city.

20826 S Hadrian Way Queen Creek, AZ 85142

$1,175,000
5 Beds
3 Baths
5,093 SqFt
Status Active
MLS # 6758470
Property Type Single Family Residence
Price Type --
A Rare Gem in the Heart of Queen Creek! Discover a one-of-a-kind basement home nestled on a spacious 0.41-acre lot in the highly sought-after area of Queen Creek. This beautifully designed home offers 5 bedrooms, 3 full bathrooms, a dedicated office, a huge game room, and a luxurious theatre room—perfect for entertaining or family fun. The main level boasts the master suite, an additional bedroom, and the office for those working from home. The gourmet kitchen is a chef's dream with granite countertops, stainless steel appliances, a cooktop, double ovens, and a built-in microwave. Step outside to your private entertainer's paradise, featuring a sparkling diving pool, built-in BBQ, and expansive patio space perfect for gatherings. An extended driveway with an RV gate and a concrete pad concrete pad behind the gate provide the perfect spot for storing a boat or other recreational toys. The 3-car garage and abundant storage complete this rare find. Don't miss this incredible opportunity to own a stunning home in the heart of Queen Creek!

1375 E Victoria Street Chandler, AZ 85249

$1,175,000
4 Beds
3 Baths
2,323 SqFt
Status Active
MLS # 6770286
Property Type Single Family Residence
Price Type --
Amazing one acre property with a pool, casita & private pickleball court! Main house is 4 bedrooms, 2 bathrooms + office with a total of 2,323 sqft. Casita has its own bathroom, laundry, kitchenette and is a total of 480 sqft. Kitchen was recently renovated and features a large butcher block island, mixed media flooring and a large beam that opens the space up to the living area. Primary bathroom updated with a huge walk-in shower, soaking tub and double sinks. Other recent updates include guest bathroom, flooring, exterior and interior paint, exterior siding, pickleball court, turf & more. Backyard is flood irrigated with citrus trees, sparkling pool, brand new pickleball court and an area for a grill!

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