Get Your Mortgage Paid Down Faster With These 5 Simple Money Saving Strategies

The 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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15615 E Telegraph Drive Fountain Hills, AZ 85268

$875,000

3 Beds

3 Baths

3,225 SqFt

Status Active

MLS # 6747759

Property Type Single Family Residence

Price Type --

*Price reduced for quick sale!* Enjoy breathtaking views of Four Peaks and Red Mountain from this resplendent Fountain Hills estate! The 3 bed/3 bath single-level home features a split floor plan, chef's kitchen with island and breakfast seating, an abundance of living space, formal dining, bonus room full of mountain views, tasteful touches throughout, and ample natural light. The master suite boasts its own fireplace, separate sitting area, and a bathroom with double sinks and separate shower/tub (with jets). The property boasts plenty of parking with both attached and detached garages, for a total of 4 covered parking spaces. The resort-like pool and scenic backdrop provide a magnificent retreat. This is Fountain Hills living at its absolute finest. Welcome home!

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29249 N 140th Street Scottsdale, AZ 85262

$875,000

4 Beds

3 Baths

2,766 SqFt

Status Active Under Contract

MLS # 6748682

Property Type Single Family Residence

Price Type --

BRAND NEW Construction w/ Custom-Quality Upgrades throughout! This beautiful Modern Home is located in an AMAZING location in Rio Verde on 1.25 acres. Kitchen w/ a WOLF Gas Cooktop & Range, Built-in Stainless-Steel pull-out Microwave, high-end Cabinets w/ 42'' uppers, White Quartz Countertops, & Wood Plank Tile Floors. Stunning Master Bathroom w/ Freestanding Soaking Tub, BEACH EDGE glass shower & Double Vanities. Exceptional Energy Efficient - boasting Spray Foam Insulation & Premium Trane AC units. Superior Construction & Craftmanship -Premium Roofing System, Premium Synthetic Stucco & much more! $5,000 to Buyer at Close of Escrow which shall be used towards Buyer installing a water filtration system. Close to hiking & horseback riding trails. ESTIMATED Completion date Dec/Jan

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4047 W Forest Court Pine, AZ 85544

$875,000

3 Beds

2 Baths

1,890 SqFt

Status Active

MLS # 6749457

Property Type Single Family Residence

Price Type --

Located in one of Pine's most sought after developments, this stunning single-level home, built in 2019, offers 3 bedrooms and 2 bathrooms, showcasing elegant craftsmanship throughout. The home features beautiful white oak wood flooring and vaulted wood tongue-and-groove ceilings, creating a spacious and warm atmosphere. The open-concept floor plan includes a custom-designed kitchen with high end cabinetry, granite countertops and stainless steel appliances. The primary bedroom opens to a deck and includes a luxurious ensuite bathroom with heated floors. The home is equipped with energy-efficient upgrades like a metal roof, foam insulation throughout and wired for a generator. Enjoy the gas fireplace with a custom wood mantel. Living area opens to a covered deck with lifetime deckin and copper railing. Additional features include a 3 1/2 car garage with an epoxy-coated concrete floor and three skylights that fill the home with natural light. This meticulously maintained property offers modern convenience and timeless beauty, perfect for those seeking comfort and style.

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5160 E Hawthorne Drive Flagstaff, AZ 86004

$875,000

4 Beds

3 Baths

2,190 SqFt

Status Active

MLS # 6750406

Property Type Single Family Residence

Price Type --

COUNTRY CLUB STUNNER! This Gorgeous 4 Bedroom, 3 Bath Home is Situated on a Heavily Treed Oversized Lot and Priced to Sell. Completely Move in Ready and Utterly Fantastic! The Property Literally Speaks for Itself including Abundant Windows Allowing for Natural Light to Fill Each Room, Luxury Vinyl Plank Flooring, Granite Countertops, Plush Carpet, Up Dated Bathrooms, 2 Separate Living Areas & 2 Car Garage for Added Value. The Beautiful Kitchen, Dining Room, Primary Living Area and Back Patio Space are All Intertwined and Allow You to Entertain to Your Hearts Content. Whether it be Golfing in the Summer or Skiing in the Winter, You Have Got It All Covered. Don't Forget, you have Access to All of The Country Club Amenities, Golf, Fitness Center, Pickleball, 2 Pools and Recreation Center.

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3327 S Felix Way Chandler, AZ 85248

$875,000

4 Beds

2.5 Baths

1,959 SqFt

Status Active

MLS # 6751694

Property Type Single Family Residence

Price Type --

A waterfront home in the Ocotillo community recently underwent a complete renovation, including a new kitchen, bathrooms, floors, and an updated swimming pool. The home's extended driveway and stone veneer accents give it excellent curb appeal. Featuring soaring vaulted ceilings, tile flooring, skylights, & an entertainment niche & 2-way fireplace, the interior features a spacious living room. This spacious primary bedroom offers direct balcony access, along with a luxurious ensuite featuring dual sinks, a soaking tub, and a mirrored wardrobe. A soothing backyard has a covered patio, lush lawn, and a sparkling pool, making it your own private paradise. Enjoy all the amenities this Community has to offer! Don't wait to see this stunning lakefront property before it's gone

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2410 W Night Owl Lane Phoenix, AZ 85085

$875,000

4 Beds

3 Baths

3,115 SqFt

Status Active

MLS # 6755232

Property Type Single Family Residence

Price Type --

Enjoy resort-style living in this beautiful energy efficient singe-level corner lot home. **OWNED Solar** Attractive facade boasts a 3-car garage, RV gate, timeless stone accents, mature landscape, and inviting courtyard. Captivating interior includes wood-look tile flooring, dazzling light fixtures, a bright living room, and a dedicated den/office/theater room. The floor-to-ceiling stone fireplace and pre-wired surround sound complement the desirable great room. Chef's kitchen highlights abundant cabinets with crown moulding, granite counters, a prep island with a breakfast bar, tile backsplash, and high-end stainless steel appliances such as a wine cooler, double wall oven, range hood, & cooktop gas make this an entertainers dream! Owner's retreat offers a sunny bayed window seating area and a trending barn door to the ensuite comprised of dual sinks, a make-up desk, and a walk-in closet. PLUS! 2nd main bedroom has outdoor access and a bathroom. Stunning backyard is a true gem, showcasing a covered patio, pergola, and a fenced swimming pool perfect for year-round enjoyment. Don't miss this opportunity!

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7851 E Ocotillo Road Scottsdale, AZ 85250

$875,000

2 Beds

2 Baths

1,744 SqFt

Status Active

MLS # 6756328

Property Type Single Family Residence

Price Type --

Discover the perfect Scottsdale lifestyle with this exceptional opportunity in the highly sought-after Suntree community! This beautifully maintained, single-level patio home offers modern amenities and stylish design throughout. Featuring 2 bedrooms, a spacious office, 2 full bathrooms, and a 2-car garage. This home is move-in ready and waiting for you! The property is filled with natural light, and the south-facing backyard with synthetic turf, which opens to community green space, is ideal for relaxation. The primary suite is a serene retreat, complete with a remodeled bathroom and separate exit to the covered patio, fruit trees, and yard—perfect for outdoor gatherings with friends and family. Residents enjoy access to a community pool, jacuzzi, and tennis court. Conveniently located near Paradise Valley, Fashion Square, and world-class dining and shopping, this home offers a blend of luxury and convenience. With nearby parks, hiking trails, and miles of bike paths, this rare find won't last long!

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1526 E Coronado Road Phoenix, AZ 85006

$875,000

3 Beds

2 Baths

1,949 SqFt

Status Active

MLS # 6758822

Property Type Single Family Residence

Price Type --

** REFINED URBAN LIVING IN HISTORIC CORONADO PARK ** You will Love Coming Home to this Modern Masterpiece ** Exudes Comfort and Casual Elegance at Every Turn ** Built in 2019 with Block Exterior Construction and 2 x 6 Interior Framing ** Private Pool ** Detached One-Car Garage with Alley Access and Electric Charging Station ** GE Cafe Appliances ** Lutron Lighting System ** Remote Operated Window Shades ** 10 Foot Ceilings ** Interior Laundry Room with Cabinets ** Tankless Hot Water Heater ** Just Down the Street from Coronado Park ** Close to Downtown Arts & Entertainment Venues and Multiple Freeways ** A Must-See Property **

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3357 E Gold Dust Avenue Phoenix, AZ 85028

$875,000

3 Beds

2 Baths

1,752 SqFt

Status Active

MLS # 6760001

Property Type Single Family Residence

Price Type --

Front courtyard with tons of space and a fountain, 4 car garage (1000 square feet), resort style backyard with outdoor kitchen, bocce ball, fireplace, pool, hot tub and mezzanine deck for panoramic views and low maintenance front and backyard landscaping. Inside the home there are tile and wood floors. You will enjoy the large entry foyer/reading/flex space, spacious living room and dining room, and a recently remodeled kitchen with stainless steel appliances that include an under-counter microwave, a 6 burner with griddle and a double gas oven, huge fridge and freezer and custom cabinets and a granite countertops. Plantation shutters and discrete blackout pleated shades on every window. Large master suite with walk in closet and recently remodeled master bath. Guest room has a built in Murphy bed that will convey with the house. Large laundry that can double as additional storage, butlers panty or mudroom. Ceiling fans in almost every room. HVAC (heat pump inverter system) was replaced in summer of 2024. Paid for solar. Paid for water purification system. Silicone rood was replaced about 7 years ago. Wonderful views in a quiet neighborhood and conveniently located less than one mile to 51.

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20613 W Grandview Drive Buckeye, AZ 85396

$875,000

4 Beds

2.5 Baths

3,638 SqFt

Status Active Under Contract

MLS # 6760337

Property Type Single Family Residence

Price Type --

See below for why sellers are selling after only owning for 10 months. Rare gem in a highly coveted original neighborhood with no expense spared on this 2023 remodel to custom home standards - the main feature is one of the most luxurious & beautiful kitchens I have ever seen. Equipped with top-of-the-line GE Café Smart appliances, including the 48'' Matte White Professional Dual Fuel Range ($13K value), the Café refrigerator and under counter microwave drawer! The center of it all is the massive island measuring 12.5 feet x 6.5 feet with under counter wine fridge, pullout trash bin & endless counterspace. Only a 10-minute walk to vibrant Main Street. Homes in this area seldom hit the market, making this an exceptional opportunity. Add'l upgrades...custom built-in entertainment center in family room with electric fireplace, barn doors to den and master bedroom bathroom, custom pantry & laundry room doors (these just added in 2024), custom iron stair railing, wood-plank tile floors throughout main floor, new carpet upstairs, new baseboards, lots of recessed lighting, whole house water filtration RO system, exterior holiday outlets, 8' doors, surround sound, custom cherry garage cabinets (and tons of counter space), epoxy floors and more. There is no other home like this unless you build custom with close to $200,000 invested in this remodel. Verrrado is a luxury mountain, golf, and family master-planned community nestled at the base of the White Tank Mountains. Sellers purchased home in 01/2024 from the previous owner who had purchased to remodel and sell. It was completely outside of the criteria they were initially looking for as they are ranchers and were looking for a home on acreage. When they saw this home with the remodeled kitchen & the Cafe appliances, they decided to forego their plans and buy it. Unfortunately, as much as they love the house itself, they realized that this community does not fit their rural farm lifestyle & they really do need a ranch home.

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3039 E Turney Avenue Phoenix, AZ 85016

$875,000

4 Beds

2.5 Baths

2,341 SqFt

Status Active

MLS # 6761905

Property Type Single Family Residence

Price Type --

** New Price! ** Now an even better value for this size & location! Hard to find under $1M, this 4bed/2.5 bath is on an interior lot of established neighborhood north of Indian School! Updated interior is filled with natural light & offers welcoming spaces for entertaining or relaxing. Well appointed kitchen w/ breakfast bar & all stainless steel appliances included. Generous primary suite features sitting area, 2 walk-in closets & separate patio. Private backyard has southern exposure finished with pavered decks & large covered patio, planters, grass, mature trees & RV gate access. * Please see Floor & Site Plans in Documents section. *

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5960 W Via Montoya Drive Glendale, AZ 85310

$875,000

4 Beds

2 Baths

2,475 SqFt

Status Active

MLS # 6762432

Property Type Single Family Residence

Price Type --

A must see!! Stunning & spectacular sought out Arrowhead area with easy access to the loop 101 freeway. Near all the Arrowhead shopping venues, restaurants along Bell Rd, near Midwestern University, Banner Thunderbird Hospital and not far from ASU West & more! A gorgeous Arrowhead 4 bedroom home w/vaulted ceilings & with such a grand entrance with a beautiful custom door beyond spacious and a feeling of such a grand entrance, as you walk in with such openness in the living room with lots of windows in the family room for that open area and a spacious kitchen with granite and island that opens to the family room and some electric blinds in the kitchen, with a view with some beautiful mountain views in the back yard to sit and soak up some sun while swimming and or entertaining

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