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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36133 N 24th Avenue Phoenix, AZ 85086

$3,250,000
4 Beds
4.5 Baths
5,249 SqFt
Status Active
MLS # 6719921
Property Type Single Family Residence
Price Type --
A remarkable opportunity to enjoy your own custom slice of paradise in the coveted gated preserve enclave awaits, no vacations needed! Builders bespoke meticulously crafted home with upgrades from the foundation up. Large private courtyard and abundant backyard are an entertainer's dream yet allowing for serene private enjoyment. From the outdoor kitchen & living room, to the statement fireplace, to the infinity edge pool straight from your Pinterest board. This oasis has uncompromising quality and attention to detail throughout. Expansive Designer Chefs kitchen. 2 room Casita w/ full kitchen and separate entrance keeps guests close while ensuring privacy for all. The upgrades are too great to list, come see this stunner in person today!

88 N Country Club Drive Phoenix, AZ 85014

$3,250,000 - 5Br/7Ba -  for Sale in Country Club Pl Lot 45 Ex, Phoenix
New
$3,250,000
5 Beds
7 Baths
5,639 SqFt
Status Active
MLS # 6777151
Property Type Single Family Residence
Price Type --
Welcome to Manor 88- a timeless retreat nestled within the heart of vibrant downtown Phoenix, yet offering serene seclusion behind the private gates of the renowned and historic Phoenix Country Club. Upon arrival you are warmly greeted by an expansive brick driveway and tree-filled lawn that frame your view of a charming extended front porch, a perfect spot for an early morning coffee or evening conversations. Meticulously renovated, this 1947 classic offers a sprawling floor-plan bathed in natural light and accented by warm oak hardwood floors throughout. You'll discover spaces designed for both intimacy and entertainment, from the built-in living room bar and floor to ceiling brick gas fireplace to the versatile game/gym/study/movie room along with an office and 4 other generously sized en-suites that ensure comfort and privacy. The grand chef's kitchen features top-of-the-line appliances, granite and quartz counters, brick backsplash, ample storage, solid wood cabinetry and many designer details offering both beauty and function. Off the kitchen, discover the laundry and mudroom, complete with custom cabinetry and a built-in fridge that leads you through a gorgeous light filled hallway to your primary retreat. The dining room opens to an expanded courtyard through elegant pocketed doors and overlooks multiple seating areas, a crafted swing set, a spa and a full grass field, providing endless opportunities for outdoor enjoyment and entertainment. This reimagined European farmhouse style home is complete with owned solar panels, an epoxied 3-car garage, and numerous updates throughout to combine classic charm with modern conveniences. Located near the clubhouse and just moments from the city's heart, this property isn't just a house - it's a warm, inviting home ready for your next chapter.

10512 E Cortez Drive Scottsdale, AZ 85259

$3,250,000
5 Beds
4.5 Baths
5,015 SqFt
Status Active
MLS # 6748941
Property Type Single Family Residence
Price Type --
* SCOTTSDALE STUNNER * CACTUS CORRIDOR GEM * BELLA MONTAGNA BEAUTY * 0.86 ACRE LOT * 5 BED * 4.5 BATH * 5,000+ SQ FT * HIGH-END STAINLESS STEEL APPLIANCES * NEW VINYL FLOORING THROUGHOUT * NEW MAPLE HARDWOOD CABINETS THROUGHOUT * NEW TAJ MAHAL QUARTZITE COUNTERTOPS THROUGHOUT * REDESIGNED KITCHEN * FRESH INTERIOR PAINT * FRESH EXTERIOR PAINT * PRIVATE SPORT/TENNIS COURT * RESORT-LIKE POOL * SPLIT FLOORPLAN * TOWERING COFFERED CEILINGS * 3 CAR GARAGE * EXTRA EXTRA PARKING * CIRCULAR DRIVEWAY * OWNED SOLAR SYSTEM * NEWER ROOF * CLOSE TO MAYO * CLOSE TO HONOR HEALTH * CLOSE TO BASIS SCOTTSDALE * CLOSE TO 101 * GET IT BEFORE ITS GONE! *

35425 N 37th Street Cave Creek, AZ 85331

$3,250,000
4 Beds
5 Baths
5,724 SqFt
Status Active
MLS # 6761079
Property Type Single Family Residence
Price Type --
This exquisite custom-built luxury home in Cave Creek, nestled on a 4.55-acre lot backing onto serene BLM land. This 4-bedroom, 5-bathroom masterpiece, built in 2014, boasts meticulous attention to detail and upgrades throughout. Custom iron doors, rich wood and travertine flooring, and Cantera stone accents. The gourmet kitchen features a Wolf appliance package, granite countertops, a built-in sub-zero fridge/freezer, & an expansive island. The bar/theatre room is a true entertainer's dream with a keg, ice machine, beverage fridge, & double bifold doors opening to the patio. Rooftop deck w/hot tub, outdoor grill, fireplace, and RV pad with dump station. Oversized 4-car air-conditioned garage, 4 Trane AC units, water softener, and foam under roof insulation. The lot is thoughtfully landscaped with an irrigated garden, a chicken coop, and fully established citrus trees. Ready for a pool with plumbing and electrical in place. Despite its secluded setting on 4.55 acres, offering unparalleled privacy and natural beauty, this luxury home is less than a mile from Carefree Highway and just minutes from Cave Creek's vibrant shopping and dining options.

5825 E Cochise Road Paradise Valley, AZ 85253

$3,250,000
4 Beds
4.5 Baths
3,729 SqFt
Status Active
MLS # 6747881
Property Type Single Family Residence
Price Type --
Desert contemporary 2024 new build! Experience Paradise Valley's resort style, tranquil living in this 4 bed, 4.5 bath estate. With natural light beaming in through 2 walls of sliding doors, home boasts modern and clean design elements with open concept great, dining, and kitchen. Custom two-toned wood cabinets, oversized 2-tier kitchen island, and with stainless steel Wolf appliances, including gas cooktop, multiple ovens, coffee bar, and a wine fridge, creating a chef's dream kitchen. Primary suite includes private sliders to the backyard, dual sink vanity, soaking tub, oversized shower, enclosed toilet, and incredible walk-in closet with custom cabinetry. Entertain family and friends in the backyard with custom pool with expanded pool deck, built-in BBQ, covered patio, turf and desert landscaping or front yard with additional covered patio perfect for lounging and dining. Additional features include 3 en suite guest bedrooms, 4 car garage, RV gate, and builder warranty. Located minutes away from Paradise Valley and Scottsdale's top resorts, golf, dining, and shopping.

8212 E Tortuga View Lane Scottsdale, AZ 85266

$3,250,000
3 Beds
3.5 Baths
4,197 SqFt
Status Active
MLS # 6768265
Property Type Single Family Residence
Price Type --
Sited on one of the best lots in Whisper Rock's Villas neighborhood, offering unmatched views, privacy, timeless architecture & thoughtful design * Private entry courtyard with heated plunge pool & mature landscaping * Detached guest casita * Open floor plan is ideal for entertaining: Chef's kitchen with wet bar & casual dining; adjacent family room with stone fireplace & disappearing wall of glass doors; formal dining with temp-controlled wine room opening to front courtyard; office/den with built-ins & access to the back patio; dual master suites * Incredible back yard with generous covered patios, gas fire pit & fireplace, built-in BBQ island *

19102 N 95th Place Scottsdale, AZ 85255

$3,250,000
7 Beds
5.5 Baths
5,915 SqFt
Status Active Under Contract
MLS # 6761058
Property Type Single Family Residence
Price Type --
Exceptional five-bedroom ranch estate with an additional 2-bedroom detached 1486 sf guest residence on oversized lot with luxurious resort style backyard is one-of-a-kind. In the heart of North Scottsdale, nestled in the charming 23 home gated community of Toscana, this private one-story home community is a hidden gem. Convenient yet private detached guest house is fully equipped and stylishly finished with eat-in kitchen and spacious great room opening to covered patio and fenced turfed area, with bedroom, bath, laundry, and ample parking. Resort style backyard with cascading pool water feature with dramatic fire bowls, ramada with Baja shelf for lounging, spillover spa, detachable pool slide, spacious grassy area, glass stack doors open to covered patio, built-in BBQ island with seating, and expansive deck for entertaining and poolside fun. Desirable home plan offers seamless indoor-outdoor living with spacious spaces and a center courtyard as the heart of the home, eat in kitchen opens to family room and to backyard oasis, plus living room/game room opens to courtyard, with two split ensuite bedrooms, two bedrooms with jack n jill bath, and an expansive primary suite with sitting/flex space all in the main home. Impressive finishes including hardwood and travertine flooring, quartz countertops, with stylish tile backsplashes, and hardware. Abundant sophistication throughout including soaring beamed ceilings with elegant stone fireplace, Viking range with 6 gas burners and griddle, and built in entertainment center. Prestige location immediately south of DC Ranch, conveniently located just minutes from Pima and 101, shopping and restaurants, and schools, yet removed from the hustle and bustle.

39797 N 107th Way Scottsdale, AZ 85262

$3,250,000
4 Beds
4.5 Baths
3,838 SqFt
Status Active
MLS # 6774973
Property Type Single Family Residence
Price Type --
Spectacular renovated home on the 8th green of the Apache Course. The Katie Mueller design team carefully chose a sophisticated desert palette in every room. Generous outdoor living areas grace the front and back of the home. You are greeted with a large courtyard area with a spherical water feature and huge views to the southwest. The interior has no steps and flows nicely from room to room. The remodel features an added bathroom, an expanded bath and a new kitchen pantry. A Wolf/Sub Zero appliance package compliments the fine oak cabinetry in the gourmet kitchen. Fantastic views to the South from the kitchen and back patio. A new dual sliding door enhances the space. New opportunities for temporary Lifestyle/Seven membership to the Desert Mountain Club for approved applicants

7330 E Arroyo Seco Road Scottsdale, AZ 85266

$3,250,000
4 Beds
6 Baths
6,460 SqFt
Status Active
MLS # 6609535
Property Type Single Family Residence
Price Type --
This very unique home is located in the Estate Lots at The Boulders. A custom steel gate of desert motif welcomes you into the front courtyard. The massive carved front doors feature a relief of a large multi-branched tree. The living Room has a 2 story ceiling and a beautiful winding stairway to the Family/Game Room with wet bar and bathroom located upstairs. Enjoy the mountain and golf course views from the balcony. The large kitchen opens to a family room with a fireplace, wet bar and entertainment center built-in cabinets. All guest rooms have their own baths. The Master Bedroom is a generous approximate 21 X 21 square feet with a huge walk-in closet. The pool patio area offers total privacy for relaxing or entertaining. The adjacent lot is also available for purchase. includes a boundary and topographic survey, a schematic site plan and schematic floor plan.

29906 N Miradar Court Scottsdale, AZ 85262

$3,250,000
4 Beds
5 Baths
5,684 SqFt
Status Active
MLS # 6651364
Property Type Single Family Residence
Price Type --
Spectacular luxury living in this meticulously designed Spanish Ranch home, nestled in Granite Mountain Ranch, North Scottsdale's only gated equestrian estates. Gorgeous Four Peaks mountain view estate is on almost 5 acres (2 lots) located at the end of a large cul-de-sac. Sale includes two parcels totaling 4.803 acres - parcels 219-40-083 and 219-40-082.The property's circular driveway and stone gate house create a grand entrance with a fountain and gas fireplace that welcomes guests with a sense of luxury and prestige. An architectural masterpiece, this four-bedroom custom home with attached casita was originally crafted for the architect himself, and exudes sophistication and attention to detail at every turn. The interior is captivating with elegance and warmth, and has four distinct shapes of large tumbled travertine, laid in a Versailles pattern throughout main living areas and extending gracefully to the outdoors. Pillars and niches adorned with ambient lighting create a timeless look. Main living area has amazing views to the outdoors with a massive cantera stone gas fireplace. The kitchen is a chef's delight, equipped with a warming drawer, appliance garage, a new ASKO dishwasher and a huge center island with granite slab countertops. The Wolf built-in cooktop and oven are propane gas and the range hood is accentuated with faux painting. The SubZero double refrigerator and two dishwashers ensure efficiency. The separate bar seats five and is granite-topped with ice maker and wine chiller. This residence is a showcase of thoughtful features, including a central vacuum system, four AC zones, an AV closet and a beautiful powder room. The den, complete with wood-beamed ceilings offers versatility with its closet, potentially transforming it into a bedroom. A four-car garage with epoxy floors and a spacious in-garage storage room. The utility closets house a water softener, 4 HVAC air handlers, and two hot water heaters. The primary suite on the same side as the den invites tranquility, with wood flooring, knotty alder cabinets and doors, and a gas fireplace. The primary bath is a spa-like retreat, featuring a coffee bar with built-in SubZero refrigerator, jetted soaking tub, separate closets with custom built-ins, and an indulgent six-shower head experience. Enjoy the breathtaking view of Four Peaks from the primary bathroom, complemented by a travertine outdoor shower. Your visitors will love the guest amenities, with two spacious guest suites on the opposite side of home with private baths and large walk-in closets. A 400 sq ft casita with a kitchenette, SubZero fridge, walk-in closet, and full bathroom provides your guests a private retreat. Technology seamlessly integrates with luxury in this property, with Control 4 system, managing 4 outdoor security cameras, music with in-ceiling speakers throughout the house and back patio, weather, and six mounted TVs which convey to the buyer. A formal dining room with a bricked ceiling and double doors opening to the front courtyard sets the stage for intimate gatherings around the gas fireplace and courtyard fountain. The outdoor space is an entertainer's dream. The backyard oasis offers unobstructed Four Peaks and Matzatzal mountain views, with a Jacuzzi and pool that can be controlled from inside the home. Owned solar system heats the pool for extended enjoyment in the fall and spring. A built-in grill and bar, wood-burning fireplace and firepit complete the entertainment amenities. Granite Mountain Ranch is the only gated equestrian community in Scottsdale where each homeowner can have up to 4 horses per lot. It has 100 home sites spread across 315 acres, 15 acres of equestrian facilities including 2 large arenas and 2 round pens, paved and lighted streets, underground utilities and a private water resource. It's adjacent to the McDowell Sonoran Preserve. You'll have easy access to unlimited riding trails, hiking, biking & fishing. Within a 10-to-30 minute drive are many of Arizona's top golf courses.

7175 E Camelback Road Unit 704 Scottsdale, AZ 85251

$3,250,000
2 Beds
2.5 Baths
2,284 SqFt
Status Active
MLS # 6694279
Property Type Apartment
Price Type --
Extremely unique high-rise condo in one of the most prestigious buildings in Scottsdale. This ~2,300 sq ft condo is the only one of its kind in the Scottsdale Waterfront, boasting both sunrise and sunset views from the approximately 1,400 sq ft 7th floor contiguous deck, on the quietest corner in the building, overlooking the canal and most of south Scottsdale. The views are a must-see and truly an incredible and rare find. Located in the heart of Old Town Scottsdale, across the street from Scottsdale Fashion Square Mall, walking distance to the Entertainment District, and too many fabulous restaurants to mention.

25002 N Quail Haven Drive Rio Verde, AZ 85263

$3,250,000
6 Beds
6.5 Baths
6,868 SqFt
Status Active
MLS # 6707772
Property Type Single Family Residence
Price Type --
If you are looking for peace and serenity and room to breathe, this is the house for you! Don't miss this rare opportunity to own a piece of paradise in the wonderful Rio Verde golf community. Situated on over 1.5 acres (17,598 sq ft adjacent lot included) and bordering The McDowell Mountain Park, this privately gated property offers ultimate privacy. The main house features two primary suites and three secondary en-suite bedrooms. The spacious kitchen with a butler's pantry is a chef's dream. A double-sided fireplace separates the large great room and dining area. Additional highlights include a 1,073 sq ft guest house, a 2,300 sq ft pool house with a 980 sq ft heated pool and spa, nine patios including a rooftop patio with 360-degree views, and multiple desert gardens. The custom exterior lighting package ensures you can enjoy the entire property at all times. The adjacent lot, also included in the sale, can be sold and built on. The Rio Verde community offers a golf course, state-of-the-art community center, tennis courts, restaurant, Community Church, and post office. This is truly a unique and exceptional property!

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