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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8738 N 9th Avenue Phoenix, AZ 85021

$915,000 - 4Br/2Ba -  for Sale in Why Worry Fields, Phoenix
Open House
$915,000
4 Beds
2 Baths
2,295 SqFt
Status Active
MLS # 6692502
Property Type Single Family Residence
Price Type --
Previous Buyer Inspection is available from unfulfilled Buyer Sale Contingency. Wonderful opportunity to own a home, with casita, in Royal Palms neighborhood! This stunning 4-bedroom, 2-bathroom residence is 2,295 square feet of living space, offering both elegance and functionality. You don't want to miss the additional 462 sf casita featuring a large spacious room with a wall of bookshelves, cabinetry with a sink, and a full bath! Whether you envision it as a guest house, mother-in-law suite, art studio, or workout room, this casita offers endless potential to suit your lifestyle. In the main home, enter through the custom rod iron doors into the large formal living and dining room. Inside you will find beautiful plank style flooring, neutral paint, updated baseboards, and carpet in each bedroom. Plantation shutters adorn every window, adding a touch of elegance to the inviting atmosphere. Each bathroom showcases beautiful tile work, adding a touch of luxury to your daily routine. The heart of this home is undoubtedly the gourmet kitchen, with small eating area and open to the family room. Equipped with top-of-the-line appliances including a Sub-Zero refrigerator and Wolf gas range, granite countertops, painted cabinets, and an island, this kitchen is sure to inspire your inner chef. Adjacent to the kitchen, a spacious laundry room offers additional pantry cabinets for all your storage needs. Retreat to the large primary suite, complete with a beautifully appointed primary bath and a generous walk-in closet. You will also find 3 additional generous sized bedrooms, 2 overlooking the beautiful backyard. French doors, from the kitchen/family room, lead into the backyard to discover a tranquil oasis awaiting your enjoyment. A lush grass yard surrounds the property, complemented by an outdoor fireplace, built-in BBQ, small refrigerator, heated spa, and a covered patio. Whether you're unwinding after a long day or entertaining guests, this outdoor space is sure to impress. Complete with a 2-car garage and situated in the prestigious Royal Palms neighborhood, this home offers the perfect blend of luxury, comfort, and convenience.

6583 S Legend Court Gilbert, AZ 85298

$915,000 - 5Br/3Ba -  for Sale in Seville Parcel 29, Gilbert
Open House
$915,000
5 Beds
2.5 Baths
2,825 SqFt
Status Active
MLS # 6746444
Property Type Single Family Residence
Price Type --
Discover the perfect blend of modern elegance and comfortable living in this beautifully upgraded single-story home with 4 car garage. Nestled on a premium cul-de-sac lot in the highly sought-after gated community of Seville, this home offers a seamless open floor plan and exceptional features designed for today's lifestyle. Step inside to find a freshly painted interior with brand-new carpeting, creating a pristine and inviting atmosphere. The spacious living areas include a large den that can easily serve as an office or formal dining room, offering flexibility to suit your needs. The heart of the home is the kitchen, which boasts stunning wood cabinets and elegant granite countertops, perfect for both everyday meals and entertaining guests. Retreat to the primary suite, where you'll find ample space and comfort. The home includes five generously sized bedrooms and two and a half bathrooms, ensuring plenty of room for family and guests. Step outside to your private oasis, where a sparkling pool awaits, complemented by a relaxing sitting area ideal for enjoying sunny days or hosting gatherings. With fresh exterior paint and move-in-ready charm, this home is a rare find in a desirable location. Don't miss your chance to make this exquisite property yours. View this home today and experience the exceptional lifestyle that awaits in Seville!

32527 N 135th Drive Peoria, AZ 85383

$914,990
3 Beds
2.5 Baths
2,462 SqFt
Status Active
MLS # 6705957
Property Type Single Family Residence
Price Type --
3 bedrooms + study, 2.5 baths, a gorgeous interior courtyard and 3 car garage, this great room design is flush with natural light...perfectly capturing those Arizona sunsets. With large picturesque, energy-efficient windows, 10' flat ceilings and 8' tall doors, this home offers tremendous sight lines and just feels like 'home.' Perfect for entertaining, the Gourmet kitchen boasts an oversized island, stainless GE appliances, and designer-appointed backsplash - be the envy of your family and friends. Inside the owner's retreat, personal relaxation is achievable with a spa-like bath boasting a tiled walk-in shower with secondary rain can showerhead and gorgeous quartz countertops. 2x6 construction and Extensive NEW HOME WARRANTY = peace of mind. Welcome home.

13789 E Geronimo Road Scottsdale, AZ 85259

$914,900
3 Beds
2 Baths
1,996 SqFt
Status Active
MLS # 6772040
Property Type Single Family Residence
Price Type --
Wow! Best lock in leave opportunity in all of guard gated Scottsdale Mountain. Freshly updated in 2024 and ready for quick move in. Open and airy great room floor plan with oversized island kitchen. Seller just updated bathrooms, kitchen, floors, paint and more. Very private And low maintenance South facing yard with freshly installed turf. This location is a 10 with close proximity to Mayo Clinic, Scottsdale' Honor Health, Shea medical center, upscale dining, multiple golf courses, Spring training and just minutes from Fountain Hills. Seller reduced for immediate sale, do t let this one get away!!

1931 W Rowel Road Phoenix, AZ 85085

$913,990
4 Beds
3 Baths
2,627 SqFt
Status Active
MLS # 6747153
Property Type Single Family Residence
Price Type --
This open single level plan offers 4 beds, 3 baths, study & an incredible outdoor living area. With a 12' ceiling in the family room, oversized energy efficient windows & large 16' sliding glass door in the family, this home has an abundance of natural light & fantastic sightlines to the backyard. Clean lines, shaker cabinets, accent lights, a gorgeous tile backsplash, clean quartz tops on an oversized island and stainless GE appliances. Huge walk-in closet & oversized tiled super shower shine in the owner's retreat. Designer selections also include plank tile, 2-tone paint & much more.2X6 CONSTRUCTION; New Home Warranty.

32476 N 134th Lane Peoria, AZ 85383

$913,990
3 Beds
2.5 Baths
2,461 SqFt
Status Active
MLS # 6705797
Property Type Single Family Residence
Price Type --
3 bedrooms + study, 2.5 baths, a gorgeous interior courtyard and 3 car garage, this great room design is flush with natural light...perfectly capturing those Arizona sunsets. With large picturesque, energy-efficient windows, 10' flat ceilings and 8' tall doors, this home offers tremendous sight lines and just feels like 'home.' Perfect for entertaining, the Gourmet kitchen boasts an oversized island, stainless GE appliances, and designer-appointed backsplash - be the envy of your family and friends. Inside the owner's retreat, personal relaxation is achievable with a spa-like bath boasting a tiled walk-in shower with secondary rain can showerhead and gorgeous quartz countertops. 2x6 construction and Extensive NEW HOME WARRANTY = peace of mind. Welcome home.

32480 N 134th Lane Peoria, AZ 85383

$912,990
4 Beds
3.5 Baths
2,791 SqFt
Status Active
MLS # 6705851
Property Type Single Family Residence
Price Type --
Professionally designed this 4 bedroom, 3.5 bath home is a showstopper! The home has an open concept design that includes a study and an elegant entry that leads you into a spacious family room and a kitchen designed for entertaining! You can relax in your beautiful sunroom to enjoy your cup of coffee in the morning. The expansive 12' multi-slide glass doors lead to an extended patio area that is perfect for entertaining. Soaring cathedral ceilings lead you into the luxurious Owner's bath with a stunning Super Shower and fine finishes. 2X6 CONSTRUCTION; EXTENSIVE NEW HOME WARRANTY.

1 Easy Street Unit 6 Carefree, AZ 85377

$910,112
2 Beds
2.5 Baths
1,847 SqFt
Status Active
MLS # 6696830
Property Type Townhouse
Price Type --
UNOBSTRUCTED MOUNTAIN VIEWS, FABULOUS DOWNTOWN UPSCALE CAREFREE location offers the epitome of luxury and convenience, where every amenity is just steps from your doorstep in bespoke CAREFREE. This 2 bedroom, 2.5 bath townhome has a Den, that could be an office or an optional 3rd bedroom. From the moment you enter, you'll be captivated by UNOBSTRUCTED MOUNTAIN VIEWS, the CONTEMPORARY OPEN DESIGN, GOURMET KITCHEN BOSCH STAINLESS STEEL APPLIANCES, OPULENT PRIMARY SUITE.. The amazing WALKABILTY of this community only enhance the tranquil, luxurious atmosphere. Community features HEATED Pool, Spa, Putting Green, Bocce, AND More...

1528 Black Canyon Road Heber, AZ 85928

$910,000 - 3Br/2Ba -  for Sale in No Subdivision, Heber
New
$910,000
3 Beds
2 Baths
3,072 SqFt
Status Active
MLS # 6784261
Property Type Single Family Residence
Price Type --
PRIDE OF OWNERSHIP! Nestled on a scenic 4.5-acre property at 6,900 feet elevation in all its beauty, 'The Black Canyon Ranch' cabin offers a unique blend of historic charm. Surrounded by a landscape rich in history. The original owner was a participant in the Pleasant Valley feud and other noteworthy events. The Ranch is featured in the award-winning book, The Crooked Trail to Holbrook, by Leland Hanchett. The cabin's expansive 3,000+ square-foot layout is thoughtfully designed to blend rustic elegance with a contemporary, open-concept floor plan. The main living area combines the kitchen, dining, and living room into a welcoming space perfect for gatherings. The kitchen is a cook's dream, featuring a double oven and a gas cooktop for versatile meal preparation, as well as a large central island that provides extra prep space. Sunlight pours into the room through large windows, highlighting the natural materials used throughout, including a striking accent wall crafted from reclaimed wood form the Rodeo-Chediski fire, a nod to the cabin's historical surroundings. In the living room, ceiling fan circulate the fresh mountain air, while a wood stove adds warmth and ambiance on cooler nights. The cabin's split-bedroom layout offers privacy, with each bedroom featuring cedar-lined closets that add both function and the delightful scent of natural wood. The master suite is a true retreat, with french doors opening to a back porch that spans the entire length of the cabin. Here, you can step out to enjoy breathtaking views, creating the perfect space to unwind, entertain, or simply take in the serenity of your surroundings. Off grid living at its finest...your own private well and 2 outbuildings for extra storage. One of the outbuildings would make for a great workshop area! Set on 4.5 picturesque acres, this property offers exceptional access to the beauty and adventure of the Sitgreaves National Forest. For nature lovers and outdoor enthusiasts, it's a paradise right at your doorstep. Black Canyon Lake, a few scenic miles away, can be reached by vehicle within 4 miles, or by horseback, adding a touch of adventure to each visit. This is a true four-season escape, with stunning fall foliage, serene snowy winters, and mild spring and summer weather that makes it ideal for activities like hiking, fishing, and horseback riding. The landscape transforms with the seasons, offering new and memorable experiences all year round. The possibilities here are vast, whether you envision a peaceful mountain retreat, a charming and rustic wedding venue, or an inviting Airbnb destination. With its blend of natural beauty and prime location, this property is a rare find, ready to become whatever you can dream up.

1408 Villa Del Norte -- Wickenburg, AZ 85390

$910,000
3 Beds
3.5 Baths
2,886 SqFt
Status Active
MLS # 6675763
Property Type Single Family Residence
Price Type --
Beautiful high country luxury ranch villa in gated community! The interior is accented with crown molding throughout and custom solid mesquite doors. Kitchen features mesquite cabinets, antique pine floors, Viking appliances and granite countertops. The master suite has wainscoting, natural polished concrete countertops with dual vanities, and custom shelving in spacious master closet. Spacious guest casita with private entrance. Outdoor entertainment area includes multiple fireplaces, covered patios, and a large jacuzzi big enough for everyone!

4767 S 165th Street Gilbert, AZ 85297

$910,000
4 Beds
3 Baths
2,754 SqFt
Status Active
MLS # 6659184
Property Type Single Family Residence
Price Type --
2 yr Home Warranty provided Horse Property nestled in the heart of Gilbert. Saddle up, open the gates and ride your horses for miles on trails along the canal directly behind your property. Four horse stalls, hay sheds, chicken coops and sheds are ready and waiting for your horses, chickens as well as other animals. Gilbert Regional Park is across the streets with playgrounds, tennis, pickle ball, fishing as well as a host of other amenities. This charming home is 2789 sq ft on over an acre of land which is almost impossible to find in Gilbert or Chandler at this price point. This home has four bedrooms, 3 baths, in addition it has an office/workout room in the master, teen hang out room in this split floor plan. A massive primary bedroom. A living/dining room PLUs a large/open kitchen/family room with a fireplace. The screened in porch runs almost the full length of the house that opens up to a private yard with a pool and firepit. This all before you get to the pasture with horse stalls, chicken coops, sheds which include electricity, water and spot lights to the pasture. Other amenities include a large laundry room with cabinets, utility sink and space for a fridge/freezer. A four-car extended garage, two will accommodate your large truck or toys, water softener run by electricity eliminating the need for salt/potassium, pull down attic stairs for storage and a 30-amp outlet inside and outside of the 4th garage for your electric car, RV, power tools and more. Solar (expire in December so you can extend, purchase or remove (need to verify with Tesla)). Electric sub panel to accommodate 30-amp, power to the pasture. Ring spot lights/cameras in various areas, ring doorbell and much more. YOU NEED to SEE this PROPERTY! Items to Convey: Security Camera's, Ring doorbell, outdoor lighting, RO system, Soft Water System, Red as well as the yellow chicken coops, 2 sheds, Play House (or for animals) with electricity. Wired for surround system. Items that DO NOT convey: TV mounts, Tire swing, certain chicken coops, green/red round fencing (will be tagged), work benches in garage, weather vane mounted on front of the house.

2518 E Mine Creek Road Phoenix, AZ 85024

$910,000
5 Beds
3 Baths
2,790 SqFt
Status Active
MLS # 6738420
Property Type Single Family Residence
Price Type --
The search is finally over! This beautiful 5-bedroom, 3-bath residence showcases a 3-car garage and a tasteful desert landscape. The living/dining room offers a cool palette, blinds for privacy, wood-look flooring, an inviting fireplace & built-in cabinets with desks! Family room provides a cozy space open to kitchen. The gourmet kitchen boasts quartz counters, shaker cabinets with crown molding, pendant/recessed lighting, a stylish tile backsplash, SS appliances, a walk-in pantry, and a large island with a breakfast bar. The loft adds additional space for leisure or work. The main bedroom features plush carpeting, an ensuite with dual sinks, and a walk-in closet. Outside, the enchanting backyard includes a covered patio, pristine artificial turf, and a sparkling pool. Fall in love!

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