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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15444 E Palo Brea Lane Scottsdale, AZ 85262

$850,000

4 Beds

3 Baths

2,766 SqFt

Status Active

MLS # 6770538

Property Type Single Family Residence

Price Type --

Experience luxury living in North Scottsdale without the hefty price tag. This stunning home sits on a sprawling acre of land, half a mile from Tonto National Park, with breathtaking views of Four Peaks and Granite Mountain. Practically new, it stands out with an exceptional outdoor living area that includes a custom retaining wall, fresh pavers, and a spacious turfed yard—perfect for entertaining. Inside, every room feels like it belongs in a magazine, illuminated with natural light and elegant finishes throughout. The kitchen and bathrooms, especially the luxurious owner's ensuite, showcase high-end upgrades. Thoughtful storage spaces and open floor plan maximize every square foot. It's the perfect balance of privacy and comfort, offering a retreat-like feel while still being in North Scottsdale. Plus, the shared well and no HOA provide major savings. Don't miss your chance to own a Scottsdale oasis!

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1243 E Artesian Way Gilbert, AZ 85234

$850,000

4 Beds

3 Baths

1,902 SqFt

Status Active

MLS # 6772579

Property Type Single Family Residence

Price Type --

Rare lakefront home in Harbor View at Wind Drift! 4 bed 3 bath updated home w/pool & spa-plus lakefront access w/private dock. Remodeled open concept kitchen: upgraded kitchen appliances-48'' custom Italian range, 48'' range hood, pot filler, stainless steel sink w/ commercial grade kitchen faucet, subway tile backsplash, large kitchen island, all new kitchen cabinetry & countertops. Main floor bedroom & full bath w/ spa like feel. Two living areas-one w/vaulted ceiling & faux ceiling beams & one w/fireplace. Plus new light fixtures and recessed lighting. 3 bedrooms upstairs including luxurious primary suite! Enjoy all the best in your low maintenance backyard with new turf on the side -heated pool & spa, covered patio, enjoy gas AND charcoal grills! New pool heater and new smart pool pump, new garage door motors, new paint thru the house. 3 car garage with EV charging. Close to shopping and all Gilbert's amenities!

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7300 E Sand Hills Road Scottsdale, AZ 85255

$850,000

4 Beds

3 Baths

2,205 SqFt

Status Active

MLS # 6773182

Property Type Single Family Residence

Price Type --

Renovated gated luxury in North Scottsdale for under $1,000,000? Yes! Once inside this desirable gated community, you will be taken to your awesome new home that has been meticulously renovated and cared for. Awesome home for entertaining with separate living and family areas, and a kitchen that will make your friends totes envious of you. There is a bedroom/office downstairs and a full bathroom-perfect for multi-generational living. Upstairs are the master suite with gorgeous bathroom and other bedrooms. The best for last--the backyard. No neighbors behind you means more privacy, relaxing play pool, sunshine, margaritas, coffee or juice--this is desert living at its finest...and in North Scottsdale, close to TPC, Barrett Jackson auto Show, Mayo and everything else. Why ya waiting?

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3424 E Plum Street Gilbert, AZ 85298

$850,000

4 Beds

3 Baths

2,972 SqFt

Status Active

MLS # 6771552

Property Type Single Family Residence

Price Type --

Discover this stunning move in ready home that has it all! With 4 bedrooms, 3 bathrooms, an office, and a spacious loft, this beautiful residence is packed with upgrades. Meticulously maintained and beautiful inside and out! The open-concept floor plan features a bright and airy great room, a formal dining area, and high ceilings. The gourmet kitchen boasts gorgeous granite countertops and a generous island with new faucet. Enjoy high-quality plantation shutters, an osmosis system, a water softener, and more. The low-maintenance backyard is ideal for relaxation, complete with premium turf, a sparkling pool, and a built-in BBQ. New HVAC, water heater, garage door opener and spring, irrigation timer, ceiling fans/light fixtures and much more. Located in the sought-after Marbella Vineyards in Gilbert, this home offers convenient access to shopping, dining, and freeways.

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8407 S Ice House Canyon Road Globe, AZ 85501

$850,000

4 Beds

3.5 Baths

2,508 SqFt

Status Active

MLS # 6774548

Property Type Single Family Residence

Price Type --

Welcome to your dream home on 10.5 acres, where luxury meets country living. This custom-built home offers mountain views and a private outdoor oasis, bordered by forest service land for unmatched privacy. Located just 5 minutes from historic downtown Globe, this stunning home features an open concept with 4 bedrooms, 3.5 bathrooms, an office, and tasteful high desert landscaping. Arrive via your private road to a charming front porch and step through the oversized farmhouse door, greeted by natural light. The foyer boasts a wood accent wall, custom cabinetry, and access to a stylish powder room with unique design touches. The home features a lush backyard with 2,250 sqft of custom installed artificial turf, an above ground pool, and a lower lot with horse corrals and trailer storage!

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2411 E Caldwell Street Phoenix, AZ 85042

$850,000

5 Beds

3 Baths

3,374 SqFt

Status Active

MLS # 6778230

Property Type Single Family Residence

Price Type --

Custom 5 bedroom, 3 bathroom home thoughtfully crafted to enjoy the mountain and city views that surround the estate. Wrought iron door leads to a foyer with soaring ceilings and flex rooms on either side. Chefs kitchen with SOLLiD soft close cabinetry, black stainless Cafe' series appliances, granite counters and backsplash, and breakfast bar with beverage cooler. Kitchen opens to dining room and large living room with a lattice covered patio. Three of four bedrooms upstairs offer private patios with dramatic views of downtown Phoenix. Hard surfaces throughout with tumbled travertine or engineered hickory hardwood. Enjoy the privacy and flexibility of no HOA with the convenience to walk or bike to South Mountain trails. Owned solar panels. Epoxy garage with ample storage.

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45020 N 18th Street New River, AZ 85087

$850,000

3 Beds

2.5 Baths

2,508 SqFt

Status Active

MLS # 6777492

Property Type Single Family Residence

Price Type --

HILLTOP RETREAT!! This very private 3-acre hilltop property has panoramic views of Tonto National Forest and surrounding mountains. Natural desert landscape and cacti. Home has new flooring throughout, Steel roof. Whole house GENERAC generator. Private well. Over 4000 gallons of freshwater storage. Newer dual AC units. Mechanical sunshields. Stone fireplace in primary bedroom and family room. Workshop, extra storage in laundry room and much more. Energy efficient 12'' block walls. Existing pen for animals. Full length covered patio. Above ground pool. Still room on property to build another home, shop or barn. Ride your ATVs or horses out in Tonto National Forest which is only a few blocks away. Less than 30 minutes from TSMC Semiconductor plant, shopping and freeways.

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9003 E Windrose Drive Scottsdale, AZ 85260

$850,000

3 Beds

2 Baths

1,579 SqFt

Status Active

MLS # 6777460

Property Type Single Family Residence

Price Type --

THERE IS NOT ANOTHER PROPERTY IN 85260 OR 85259 IN THIS SQUARE FOOTAGE RANGE THAT HAS BEEN REMODELED THIS EXTENSIVELY OR THIS TASTEFULLY. NEW AS OF SEPTEMBER 2024: ROOF WITH 20 YEAR WARRANTY, CABINETRY THROUGHOUT HOME, HIGH END STAINLESS APPLIANCES, GRANITE/QUARTZ COUNTERTOPS, MARBLE BACKSPLASH, LVP FLOORING THROUGHOUT, CEILING FANS/LIGHT FIXTURES, REIMAGINED FIREPLACE, LARGE FORMAT TILES, DELTA BATH FIXTURES, SWISS MADISON TOILETS, NEW HARDWARE, INTERIOR/EXTERIOR PAINT & LANDSCAPING. ALSO FEATURES A SPARKLING HEATED POOL/SPA, A GREAT ROOM FLOORPLAN THAT FLOWS SEAMLESSLY & A GOURMET KITCHEN THAT HAS A LARGE ISLAND WITH STORAGE ON BOTH SIDES IN ADDITION TO A PANTRY CLOSET. THIS SPECIAL HOME IS IN A FABULOUS LOCATION SITUATED ON A PRIVATE LOT WITH EASY MAINTENANCE LANDSCAPING & A MUST HAVE OPEN CONCEPT FLOORPLAN WITH SOARING VAULTED CEILINGS WHERE FUNCTIONALITY MEETS BEAUTIFUL TIMELESS DESIGN !!!!

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15728 E Burro Drive Fountain Hills, AZ 85268

$850,000

3 Beds

2 Baths

2,304 SqFt

Status Active

MLS # 6777632

Property Type Single Family Residence

Price Type --

This beautifully upgraded two-story residence combines style, comfort, and modern updates to create the ideal retreat. With no HOA and an impressive 2,304 square feet of living space, this property offers three spacious bedrooms, two full bathrooms, and a versatile layout perfect for both relaxation and entertaining. Enter through a welcoming front courtyard and into a voluminous family room, where a floor-to-ceiling electric fireplace creates a stunning focal point. The family room flows seamlessly into the eat-in kitchen, fully equipped with a suite of stainless-steel appliances, rich cabinetry, and generous granite countertops, making it an entertainer's dream. Expansive windows bathe the home in natural light and offer scenic views from multiple vantage points. Upstairs, the master bedroom offers the ultimate retreat, with its own private patio exit, an ensuite bathroom with granite finishes, and a luxurious walk-in closet. The home is further enhanced with new luxury vinyl flooring, fresh interior/exterior paint, updated guest bathroom vanities, and stylish ceiling fans and fixtures, all completed in 2024. The exterior is equally captivating. The front yard is enhanced with gravel and stone landscaping, sprinkler systems, and automated timers for low-maintenance care. A private pool with a travertine surround is the highlight of the backyard, offering a luxurious space to cool off on warm days. The stone-paved driveway leads to a two-car garage, complete with an electric door opener and an inside entrance. Don't miss the chance to own this beautifully updated property that embodies Arizona living at its finest. Schedule your viewing today!

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4237 N Cactus Road Apache Junction, AZ 85119

$850,000

4 Beds

2 Baths

2,329 SqFt

Status Active

MLS # 6780590

Property Type Single Family Residence

Price Type --

GOT HORSES? Saddle up & hit the trails out your backdoor. This 4BR/2BA, 2,329 sq.ft. Santa Fe offers a quality horse setup on 1.25acres complete w/3 (16x16) covered stalls, a large detach garage, 2 large turnouts & tack sheds. Interior features wood look tile & solid pine doors T/O. Great room features fireplace, dining nook, open kitchen w/island & VIEWS. Spacious master suite w/ large walk in closet. 3 additional BRs plus bonus room provides ample space for all. Enjoy captivating views of the Superstition Mountains while relaxing in your private swimming pool on your flagstone back patio or take pleasure in watching the sunsets from your front courtyard! The 3 car garage plus Rv covered storage garage gives you room for all your toys!!

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4241 S Danyell Drive Chandler, AZ 85249

$850,000

5 Beds

3.5 Baths

3,996 SqFt

Status Active

MLS # 6781019

Property Type Single Family Residence

Price Type --

LOOK NO FURTHER! THIS BASEMENT HOME HAS IT ALL! LOCATED IN THE DESIRABLE FULTON COMMUNITY, COOPER CORNERS! ENJOY A STUNNING OPEN KITCHEN WITH TONS OF CABINETS, HUGE ISLAND & GRANITE COUNTER TOPS. PRIMARY BEDROOM FEATURES CLASSY CLOSETS & RAISED BATHROOM VANITIES. OTHER UPGRADES GAS FIRE PLACE, PLANTATION SHUTTERS, SURROUND SOUND, SOFT WATER SYSTEM, BUILT IN VACUUM SYSTEM,,INTERCOM & RV GATE, BACKYARD FEATURES SPARKLING POOL WITH WATER FEATURE, BUILT IN BBQ + FIRE PIT.ADDITIONALLY THERE IS A HUGE CASITA STYLE/FLEX ROOM W KITCHENETTE,BATHROOM & BEDROOM WITH SPACE FOR A SECOND STACKABLE WASHER/DRYER. BASEMENT BOASTS A LARGE FAMILY ROOM, FULL BATHROOM & THREE SPACIOUS BEDROOMS! EASY ACCESS TO FREEWAYS, SHOPPING, & DINING! GREAT NEIGHBORHOOD! THIS HOME IS SPECIAL! DON'T WAIT. COME BUY TODAY!

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8560 E Waterford Circle Mesa, AZ 85212

$850,000

3 Beds

2.5 Baths

2,060 SqFt

Status Active

MLS # 6783642

Property Type Single Family Residence

Price Type --

WHOA * 1+ ACRE LOT in SE MESA * NO HOA * Horses and toys are welcome* Beautifully updated & well maintained 3 bedroom, 2.5 bath home w/2 car garage and a detached workshop (approx 1800 sf) * The kitchen has been updated and features solid surface countertops, SS appliances, extensive cabinetry, a large breakfast bar and opens to the great room * The great room features a fireplace and views to backyard activities * Primary bedroom is split from other two & features an ensuite with dual vanities, garden tub & separate shower, walk in closet * Outdoors enjoy the extended covered patio, gazebo & large grass yard for kids, pets or outdoor games * Plenty of room for horse set up or parking your toys * Electric RV gate for EZ access * Irrigation available through Queen Creek *

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