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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6045 E Duane Lane Cave Creek, AZ 85331

$924,000
4 Beds
3 Baths
2,496 SqFt
Status Active
MLS # 6689306
Property Type Single Family Residence
Price Type --
This home is Desert living on a 1.25 acre lot located between Cave Creek and Scottsdale. Dual Zone HVAC offers flexibility for temperature control in this roomy 2,496 square feet of living space with 4 bedrooms and 3 bathrooms and plenty of storage. The family room with dyed concrete floors and extra large kitchen is spacious to satisfy any chef when entertaining a large amount of guests. Exterior has fresh paint and new soffits. The interior comes with newly added solid core bedroom doors and high quality vinyl flooring. The house is surrounded by a 1400 sq\ft+- wrap-around patio which connects the home to a 340 square foot flex space building with a view of the motel size pool with Baja step. This detached building has a new Mini-Split unit and could be utilized for multiple purposes. The detached 720 sq/ft garage offers 2 vehicle spaces with 30 feet of built-in cabinetry. There are 2 exterior 50 amp plugins that are ready for your car or RV. This property also allows for horses! If you want to live with all the amenities a city has to offer, but still want that rural feel, look no further!

6718 N 15th Street Phoenix, AZ 85014

$924,000
3 Beds
2 Baths
3,169 SqFt
Status Active
MLS # 6743181
Property Type Single Family Residence
Price Type --
Discover your dream home in Central Phoenix! This spacious property boasts a charming casita complete with a full bath, laundry, and a cozy loft—perfect for guests or as a private retreat. The main house features three generous bedrooms and two modern bathrooms. Enjoy a versatile space off the kitchen ideal for storage, workouts, or playtime, along with a large bonus room and a dedicated office. Recent updates elevate the interior, showcasing brand-new appliances, fresh paint, stylish flooring, updated cabinets, and contemporary lighting. Step outside to an expansive backyard offering gated RV parking with a 50 amp connection, a rejuvenating hot tub, a sauna, and a cold plunge. There's even plenty of room for a pool!

22913 E Carriage Way Queen Creek, AZ 85142

$923,673
6 Beds
4 Baths
3,779 SqFt
Status Active
MLS # 6679888
Property Type Single Family Residence
Price Type --
Very popular Loft plan w/Retreat. The home has highly upgraded cabinets, flooring and countertops . Also, includes a Gourmet Kitchen w/ SS Chimney Hood, ,, Tankless Water Heater, Service Garage Door , Atrium Door to patio, ''16 SEER RATING FOR ''AC'' ENERGY STAR HOME ! BARNEY FARMS the newest Premiere Master Planned Community in Queen Creek, w/ RESORT like atmosphere, LAKE COMMUNITY w/ an large Amenity Center, fountains , 2 large Community Pools, Aquatic Center, Pickle Ball, Bocce Ball, Corn Hole, Sand Volleyball, full court basketball , fishing ''catch and release'' kayaking, canoeing, walking trails thru-out. Barney Farms also has KMB K-6 School in the community. A MUST SEE !!

7779 N Copperfield Parkway Prescott Valley, AZ 86315

$920,000
4 Beds
4 Baths
2,470 SqFt
Status Active
MLS # 6671060
Property Type Single Family Residence
Price Type --
Welcome to an exceptional opportunity in this newer gated community, where large 4+ acres and custom site-built homes define the essence of luxurious living. Situated near the entrance of the neighborhood, this home will be the ideal location for your dream home. Boasting 360-degree views of the breathtaking Mingus Mountain range, the majestic Granite Mountain & the iconic San Francisco Peaks, this homesite promises a panorama of natural beauty. Construction of this luxury home is proposed to start mid/end March 2024 with an estimated 10-month build time. If entered into a build contract prior to the end of April 2024, you will be able to select limited finish selections. The homesite provides a gorgeous canvas for creating a residence that complements the spectacular vistas. Owner/Agent. See documents for spec or ask the agent for details. The surrounding wells in this community are noted for their exceptionally high productivity, ensuring reliable access to water for your home. Alternate Septic. Domestic animals only are allowed.

15424 E Dixileta Drive Scottsdale, AZ 85262

$920,000 - 4Br/3Ba -  for Sale in See Legal Description, Scottsdale
Open House
$920,000
4 Beds
3 Baths
2,493 SqFt
Status Active
MLS # 6776929
Property Type Single Family Residence
Price Type --
Brand-new and ready for its first owner! This light-filled home offers an open floorplan with all the upgrades and luxury finishes you could ask for. The spacious kitchen includes an extensive waterfall island, wall oven, walk-in pantry, and eat-in kitchen—perfect for entertaining. Enjoy natural light throughout, builder added roof deck foam insulation throughout all living areas reducing energy costs! The master suite is a luxurious retreat, a spa-like bath with a soaking tub, rain shower, and a large walk-in closet. The 3rd bedroom also features a luxurious ensuite bathroom, great for multi-generational living. Located on an elevated lot, the home provides stunning mountain views and access to the Tonto National Forest, Scottsdale Preserve, and McDowell Mountain Preserve for.... endless outdoor activities. Just minutes from Needle Rock, golf courses, and dining, this property combines convenience with natural beauty. Experience this beautiful, adventure-ready home!

4709 E Ironhorse Road Gilbert, AZ 85297

$920,000
4 Beds
4.5 Baths
3,698 SqFt
Status Active
MLS # 6765850
Property Type Single Family Residence
Price Type --
Fall in love with this GORGEOUS single story Power Ranch home! Welcoming private courtyard entrance. Gourmet kitchen with 2 sinks, middle island + counter seating, wall ovens, 5 burner gas stovetop, large walk-in pantry, 2nd refrigerator, LED lighting, gorgeous backsplash and more! A large great room opens to the covered patio, built in BBQ area and fenced pool. Secondary family room area is steps away with gas fireplace and windows overlooking the sparkling pool. Spacious primary suite includes dual closets, oversized soaker tub, separate walk-in shower and door to the backyard. The guest wing surrounds a versatile open living space and is flanked by 3 additional bedrooms/2 baths plus an office suite (including bath) with a private entrance/exit. Power Ranch amenities are too long to list but include soccer fields, volleyball/basketball courts, a clubhouse, fishing lake, parks, playgrounds, pools, splash pad, tennis courts

14425 N Coral Gables Drive Phoenix, AZ 85023

$920,000
4 Beds
3 Baths
2,343 SqFt
Status Active
MLS # 6777681
Property Type Single Family Residence
Price Type --
Located on a lush golf course lot in Moon Valley Country Club near the 13th hole, this home offers stunning mountain views, a large courtyard with a diving pool, and a beautiful interior! The updated kitchen features quartzite counters and double ovens, with golf course views. There are plenty of spaces for entertaining in the formal dining room, living room, and large family room with vaulted ceilings, built-in bookcases and a gas fireplace. The split primary suite ensures privacy, offering double sinks and 3 closets. Outside, you'll love the grassy backyard and courtyard with mature trees and multiple seating areas. Recent updates: wood floors (2021), Pella windows (2016) and Anderson French doors, pool surface and equipment (2022) and HVAC (2020) & updated bathrooms.

346 E Highland Avenue Phoenix, AZ 85012

$920,000 - 4Br/3Ba -  for Sale in St Francis Manors, Phoenix
New
$920,000
4 Beds
2.5 Baths
2,640 SqFt
Status Active
MLS # 6783982
Property Type Single Family Residence
Price Type --
Beautifully maintained & well cared for home in uptown Phoenix offers a great curb appeal with a large, green front yard, lots of parking space, RV gate, and a cozy pergola. The interior boasts a spacious living room with recessed lighting, neutral paint, and tile flooring. The breathtaking kitchen showcases sophisticated cabinetry, teal tile backsplash, above stove pot filler, high-end SS appliances, quartz counters, SS single bowl sink, and two large islands. The generous-sized family room features an exposed wood vaulted ceiling, wood-look flooring, and a corner fireplace. The owner's suite hosts a walk-in closet and a pristine bathroom with two pedestal sinks & a floor-to-ceiling tiled shower. The oversized laundry room has a utility sink & half bathroom. The expansive backyard offers a paver patio & lush grass. Close to schools, restaurants, and Uptown Plaza. Inquire today!

9555 W Running Deer Trail Peoria, AZ 85383

$920,000
5 Beds
3.5 Baths
3,750 SqFt
Status Active Under Contract
MLS # 6763649
Property Type Single Family Residence
Price Type --
This stunning 5-bedroom, 3.5-bath oasis offers breathtaking mountain views and an amazing backyard featuring a sunken, covered gazebo and resort-like atmosphere. Nestled in the highly sought-after Pleasant Valley community, this spacious single-level home spans 3,750 sq. ft. on a generous 14,850 sq. ft. lot. This property masterfully combines modern updates with timeless charm. Step into this stunning home featuring a formal living room, formal dining room, open den, large open great room with an inviting dining area and an extra-large family room, perfect for gatherings and relaxation. Windows galore flood the space with natural light, accentuated by custom drapes for added elegance. The updated fireplace is a true centerpiece, showcasing a custom wooden accent wall design with built-ins that offer both style and functionality. This home blends modern updates with warmth and charm, creating the perfect setting for comfortable living and entertaining. The kitchen, updated in 2023, boasts elegant real cherry wood cabinetry, granite countertops, and a spacious walk-in pantry. The custom backsplash adds a stylish touch, while brushed nickel pulls and stainless steel appliances enhance the kitchen's modern feel, making it both functional and beautiful. This is the perfect space for cooking and entertaining. The primary bedroom in this home is a true retreat, featuring an incredible size and a cozy fireplace that adds warmth and ambiance. The room is beautifully designed with accent textured walls and custom barn doors, along with built-in niches for added charm. The luxurious primary bathroom boasts an extra-large walk-in shower with a rain head, double sinks with granite counters, and framed vanity mirrors, all leading to a huge walk-in closet. For ultimate relaxation, the primary bedroom offers a private exit to the back patio, just steps away from the above-ground spa, creating your own personal oasis. One of the five bedrooms in this home includes a private en-suite bathroom and is thoughtfully split from the other two guest bedrooms, offering added privacy and convenience. The home is filled with energy-efficient upgrades, including Energy Star qualified windows, sunscreens, and Low E windows, ensuring both comfort and sustainability. A modern smart home system features smart outlets, a thermostat, doorbell, and cameras covering all sides of the home for added convenience and security. The energy-efficient HVAC system, fully upgraded in 2015 with a recent overhaul in 2023, ensures year-round comfort. The property also offers a solar power system, reducing energy costs and promoting eco-friendly living. Additional perks include an owned water softener and drinking water filter systems. The entertainer's dream backyard features a spacious covered patio, built-in BBQ, fire pit, an above-ground spa, and a sparkling private pool with a swim-up bar, water features, and a Baja step, perfect for hosting or enjoying warm Arizona summers. A sunken, covered gazebo adds even more comfortable outdoor living space, providing a shaded retreat for relaxation or entertaining. The backyard also includes artificial grass and a putting green for added fun, along with a huge storage shed for convenient extra storage. RV enthusiasts will appreciate the RV parking space with a double RV gate, and the three-car garage, which is equipped with 220-volt outlets and is temperature controlled. With 9-ft flat ceilings, no interior steps, and picturesque mountain views from both the front and back, this home exudes comfort and sophistication. Located in a gated community with a playground and walking paths. This is a rare opportunity to own a home that offers privacy, luxury and energy efficiency in an unbeatable location.

22381 N 65th Avenue Glendale, AZ 85310

$920,000
4 Beds
2.5 Baths
2,730 SqFt
Status Active Under Contract
MLS # 6757895
Property Type Single Family Residence
Price Type --
Stunning Golf Course Lot located within the premier community of Top of the Ranch within Arrowhead Ranch! This extensively remodeled home has top of the line everything with meticulous attention to quality and construction. The new 17' panoramic telescoping doors leading to the backyard have a lifetime warranty, complete w/brand new adjustable screen and interior mechanical sun shades. The backyard is a dream oasis w/ built-in BBQ Island, with gas grill & griddle, newly renovated heated pool & spa, synthetic lawn, lovely pavers with seating areas overlooking the golf & mountain views! Extended covered patio w/ motorized retractable awnings on wind sensor. The chef's kitchen includes a Wolf 6 burner range, double Wolf ovens, Wolf island undermount microwave, new Asko Dishwasher, custom cabinetry with a pullout pantry, built in Subzero fridge, Subzero freezer drawer and Wolf warming drawer. The kitchen/family room is perfect for large family gatherings, as it has a large island with bar stool seating, and room for a breakfast table. New wood & metal clad french doors added to the family room also with retractable screens. Guest quarters (3 bedrooms) are separate from the primary suite. All baths have been fully renovated with custom vanities, kohler toilets, new plumbing fixtures, Quartz counters, and new shower tiles. You will love the oversized walk in shower with dual sprayers, easy for giving pets baths too! Home is ready for anything, with plenty of storage and a brand new 24kw Generac gas powered generator that will power the entire home in seconds. New roof, new windows, 2 Trane AC units, Air purification filters, Soft water, R/O + whole house carbon filter water system. Only the best in this home, you won't want to pass up. Close to the 101, great restaurants, AJ'S Fine Foods, Arrowhead Golf & sporting events.

4842 E Charleston Avenue Scottsdale, AZ 85254

$920,000
4 Beds
3 Baths
2,135 SqFt
Status Active
MLS # 6696832
Property Type Single Family Residence
Price Type --
great opportunity !!! This beautifully updated home offers a blend of modern features and natural beauty. The property includes a variety of fruit trees, such as Santa Rosa plum and Kara Kara orange, and backs into Moon Valley Nursery, ensuring stunning blooms year-round. The home features a new AC system, carpet, and plantation shutters, plus a newly installed pool heater. With 4 bedrooms, 3 bathrooms, a 3-car garage with epoxy flooring, and a heated pool, this residence offers both comfort and style. Situated near prime destinations like Kierland, Desert Ridge, and surrounded by popular shopping, dining, and schools, this home offers an ideal location for convenient living. Seller will consider any reasonable offer.

10131 W El Cortez Place Peoria, AZ 85383

$920,000
5 Beds
3.5 Baths
3,406 SqFt
Status Active
MLS # 6730719
Property Type Single Family Residence
Price Type --
Sprawling 3400+ sq ft single level plan in sought after gated community of Florenza. Approx 1/4 mile to ''Peoria Basis'' Grades 5-12 The US News & World Report ranks #1 high school in America Energy efficient - owned solar panels, E.V. charging port - 3 car split garage. Great location - Close to retail, theaters, grocery restaurants & Paloma Park. Approx 2 mi. to hwy, 12 mi. to Lake Pleasant. Split floor plan w/ 10' ceilings. Each of the 5 bedrooms has a large walk-in closet, 3.5 baths, a ''teen room,'' & large great room w/ surround sound that opens into a dining (or Flex)space. The huge kitchen features stainless steel appliances, dbl ovens, granite countertops, walk-in pantry, an enormous island, lg dining area & tons of cabinets.Low maintenance & water efficient landscaping.

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