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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10958 E Taos Drive Scottsdale, AZ 85262

$2,849,000
5 Beds
3.5 Baths
5,554 SqFt
Status Active
MLS # 6740654
Property Type Single Family Residence
Price Type --
Welcome to your dream home nestled in the heart of North Scottsdale, where comfort and style meet in perfect harmony. RV parking, 19 car driveway, ATV and hiking trails just a mile away - this stunning residence offers a blend of classic elegance and serene living, ideal for those seeking relaxation, convenience and adventure! Spacious Interior: Step into a beautifully designed open floor plan that maximizes space and natural light with soaring high ceilings . The generous living area features high ceilings and large windows, creating a bright and airy atmosphere perfect for entertaining or unwinding after a long day. Gourmet Kitchen: The chef's kitchen is a true centerpiece, boasting sleek granite countertops, stainless steel appliances, and ample cabinetry. A center island provides additional prep space and a casual dining option, making it a great spot both cooking and casual meals. Luxurious Master Suite: Retreat to the expansive master suite, complete with a private en-suite bathroom featuring dual vanities, a soaking tub, and a separate shower. Enjoy the convenience of a large walk-in closet, attached gym or flex space and direct access to the outdoor living space. Outdoor Oasis: The beautifully landscaped backyard offers a serene escape with a covered patio, ideal for alfresco dining or relaxing with a good book. The lush greenery and well-maintained garden provide a picturesque setting for outdoor activities and gatherings. A view deck with panoramic views of the mountains and city lights, gas fire place, putting green, baja deck in the pool, and so much more. Additional Features: This home also includes a versatile den/office space, perfect for working from home or as a guest room. The attached four-car garage offers ample storage and convenience, as well as a detach 5th car garage for extra storage or toys. Prime Location: Situated in a desirable North Scottsdale yet with no HOA, you'll enjoy easy access to top-rated schools, upscale shopping, dining, and recreational amenities. With its proximity to major highways, commuting and exploring the vibrant Scottsdale area is a breeze.

37224 N 237th Avenue Morristown, AZ 85342

$2,845,000
5 Beds
4.5 Baths
5,865 SqFt
Status Active
MLS # 6700116
Property Type Single Family Residence
Price Type --
Discover unparalleled luxury and versatility on this remarkable 9.88-acre estate, nestled in a prestigious airpark community. Offering the perfect blend of sophistication, comfort, and vast open space, this property caters to both the aviation enthusiast and the horse lover. While direct runway access is available, the real magic lies in the boundless opportunities this estate provides for relaxation, entertainment, and equestrian pursuits. The home itself spans over 5,800 square feet, and each room is crafted with a focus on comfort and detail. As you enter, the warmth of the great room sets the tone for the rest of the home—a space that effortlessly blends elegance with everyday living. The well-appointed chef's kitchen, featuring a premium gas cooktop and custom cabinetry, invites... culinary creativity. Multiple dining areas offer the flexibility to host anything from intimate family breakfasts to grand dinner parties. Carefully curated finishes and thoughtful touches are present throughout, giving the entire home an understated elegance that feels both inviting and luxurious. This home's six bedrooms provide plenty of room for family and guests, each offering a retreat-like atmosphere. The primary suite stands out as a private oasis, complete with its own fireplace and a beautifully designed en suite bathroom. A spa-like soaking tub, walk-in shower, and dual vanities make this space perfect for unwinding after a long day. The additional bedrooms are equally spacious and well-appointed, ensuring comfort for all. Step outside, and you'll find that this property is made for entertaining. The sweeping backyard is your own private resort, featuring a sparkling pool surrounded by manicured landscaping. Imagine hosting summer gatherings herefriends and family relaxing by the pool, enjoying the sunshine, and dining al fresco under the stars. The outdoor kitchen is fully equipped with a professional-grade grill, refrigerator, and everything you need for seamless outdoor entertaining. There's even a private volleyball court for endless fun and a cozy fire pit area for winding down with s'mores and great conversation. Beyond the luxurious home and entertainer's backyard, this estate offers incredible potential for horse enthusiasts. With 4.88 acres zoned for horses, you'll have more than enough room to create your dream equestrian setup. Whether you're envisioning a spacious arena, stables, or other horse facilities, this land is ready to accommodate your vision. Though situated in an airpark community, this estate feels like its own world, offering a unique combination of luxury living and vast open space. Whether you're drawn to the home's elegant design, the endless possibilities for outdoor living and entertaining, or the opportunity to build a horse retreat, this property offers it all. Live the life you've always dreamed of with this estate that truly has something for everyone.

34749 N 83rd Way Scottsdale, AZ 85266

$2,845,000
4 Beds
4.5 Baths
3,627 SqFt
Status Active
MLS # 6659874
Property Type Single Family Residence
Price Type --
Welcome to the epitome of contemporary luxury living in the exclusive gated community, The Reserve at Black Mountain. This brand-new contemporary single level showpiece, crafted by the renowned Toll Brothers, fulfills every item on today's discerning buyers wish list offering an open great room floor plan, a resort-style outdoor oasis, generous 3 car garage space and breathtaking panoramic views of the majestic mountains, colorful sunsets and lush Sonoran Desert. As you step through the inviting front portico entry into the front courtyard, the metal and glass front door opens to the foyer and sets the stage for the grandeur that awaits. The great room with a stunning 60'' linear fireplace with floor to ceiling tiled surround, draws the eye upward to the soaring 16' beamed ceilings extending through the open dining space, while south-facing windows frame the picturesque mountains of Pinnacle Peak and beyond. Designed for both culinary enthusiasts and entertainers alike, the adjacent kitchen boasts an oversized island adorned with sleek Quartz countertops, Wolf/Subzero appliances, 2 dishwashers, modern pendant lighting and bar seating for 4. Abundant Shaker cabinetry, subway tile backsplash and a generously sized walk-in pantry add both style and functionality to this culinary dream. The seamless indoor-outdoor flow is achieved through a four-paneled glass wall system, effortlessly connecting the dining area to the outdoor patio- an ideal setting for alfresco dining and conversation. Retreat to the expansive Primary Suite, where numerous windows invite natural light and showcase panoramic vistas. Indulge in the luxurious bath featuring double vanities, a freestanding soaking tub and a double walk-in shower graced with floor-to -ceiling tile - a sanctuary for relaxation and rejuvenation. The spacious designer closet offers ample storage and organization, adding a finishing touch of opulence. Adjacent to the main living area, a doorless office overlooking the front courtyard provides a tranquil workspace for remote endeavors. For family and guests, a beamed ceiling den beckons with its wall-to-wall entertainment center and glass wall system opening to the front courtyard, ensuring comfort and enjoyment for all. The home's thoughtful design extends to the two connecting ensuite bedrooms, each appointed with ensuite baths and plush low pile carpeting - a retreat of privacy and serenity. The comprehensive laundry with outdoor access caters to pool time, anytime. The poolside casita offers an additional retreat, complete with a breakfast bar, wood plank look tiled floors and a luxury bath - an ideal space for extended stays or hosting guests in comfort and style. The resort-style backyard entices with a linear pool with Baja shelf, raised spa, patio sunning space, and an expansive covered patio with heaters offering living and dining space - perfect for outdoor gatherings and leisurely afternoons. The Astro turf and desert landscape provide an effortless outdoor experience. For enchanting sunsets, starry nights and warmth, gather around the substantial firepit with lava rocks. Thoughtful upgraded finishes throughout have elevated the distinction of this home. Nestled in North Scottsdale, this home offers a wonderful life refuge remaining in proximity to dining, shopping and fabulous outdoor adventures. Welcome to a lifestyle of unparalleled luxury and refinement. Home has been pre wired for shades as well.

5000 N Camelback Ridge Drive Unit 301 Scottsdale, AZ 85251

$2,825,000
2 Beds
2.5 Baths
1,862 SqFt
Status Active
MLS # 6803954
Property Type Apartment
Price Type --
YOUR CHANCE TO OWN ONE OF THE BRAND NEW ELITE UPPER FLOOR CORNER UNITS WITH A+ VIEWS IN MOUNTAINSIDE RESIDENCES, NESTLED INTO THE BASE OF CAMELBACK MOUNTAIN AT ASCENT AT THE PHOENICIAN. LOCATED INSIDE THE PRESTIGEOUS GROUNDS OF THE PHOENICIAN RESORT THIS IS TRULY A ONE OF A KIND OPPORTUNITY. Absolutely gorgeous throughout with upgrades galore including a stunning Bulthaup kitchen and elegant wide plank wood flooring, motorized shades, folding glass doors and so much more. Step out to your spacious wrap around balcony featuring a built in BBQ and DID I MENTION THE UNBELIEVABLE CITY AND CAMEBACK MTN VIEWS!! The Mountain Club features a private pool/spa, state-of-the-art fitness center with many group areas for entertaining. 2 underground parking spots with EV Charger and large storage room.

14179 E Kalil Drive Scottsdale, AZ 85259

$2,825,000
4 Beds
5 Baths
4,953 SqFt
Status Active Under Contract
MLS # 6810761
Property Type Single Family Residence
Price Type --
Stunning custom home built on a premiere view lot in Scottsdale's coveted gated community of Hidden Hills providing both privacy & serenity. This Luxury Villa style home has unobstructed down valley views of iconic Camelback & Mummy Mountains, Piestewa Peak, The McDowells and the City Lights of both Uptown & Downtown Phoenix. The amazing sunsets enjoyed from this elevated & perfectly situated home and lot are often only witnessed when captured in a photo and displayed in a magazine or gallery. There are no words worthy of describing how absolutely beautiful this home truly is and just how incredible of a setting in which it is surrounded. This is what Sonoran Desert Dreams are made of and a rare opportunity in Hidden Hills that awaits the next very fortunate new homeowner. The elegance & sophistication of this luxury home are immediately evidenced before ever even entering, compliments of the gorgeous real wood stained garage doors and the statement making custom built, arch designed steel & wrought iron front entryway door. Stepping inside your expectations are certainly not disappointed in the very least as you are welcomed in by a vaulted ceiling foyer & formal sitting area that now sets the stage for the level of exquisite taste and impeccably fine material choices on display in every room, only to then be elevated even further by all the designer finishes found throughout the home. A large Primary Suite that occupies its own separate wing of the home is a true owner's retreat space with a lounge/sitting area, vaulted wood beam ceiling accents, custom gas fireplace, wide plank oak wood flooring, his & her custom built walk-in closets, freestanding tub, separated vanities, walk-in shower rain shower, direct access to the covered patio space and views from both inside & outside the bedroom of the pool/spa, firepit & mountains. Enjoy the very spacious office/media room adjacent to the Owner's Suite, with its vaulted wood beam ceiling, wide plank oak floors & large windows that draw in plenty of ambient lighting & provide views of the front patio & The McDowells. Entertaining family, friends & guests is made easy by the very expansive wood beamed ceiling & open great room floor plan that is the hub of the home. The Chef's Kitchen is well appointed with Wolf & Sub Zero appliances, gas range top for cooking, a prep island with a sink, built-in wine fridge, granite countertops, a wrap around breakfast bar for six, eat-in kitchen with a brick herringbone dome ceiling above, a walk-in wet bar area with granite countertop & seating for four and a beverage refrigerator that also includes an ice maker. The focal point in the home's hub is certainly the full length entertainment wall that includes a stacked stone gas fireplace with wood beam mantle, a large center mounted TV, accent lighted art display niches complimented with both stone & wood design elements. A guest bedroom/workout/meditation/yoga/pilates room with wide plank oak wood flooring, a full bath directly across the hallway and a very large laundry room with a sink & ample storage complete the main floor living spaces. Upstairs you will find two additional very sizable ensuite bedrooms with custom walk-in closets, wood floors, a separate living room space and a media area. This area of the home is very well thought out in its design as it provides for a very private area of the home for other family members &/or guests that is a distance away from the Owner's Suite. There is a large private veranda off the second living room that includes both a covered patio & open air sitting spaces with views of the resort style backyard, mountain & city lights views. The perfectly oriented backyard is an entertainer's paradise that includes a full length covered patio, an outdoor kitchen area with its own dining space, a gas fire pit, several lounging/sitting conversation areas and an oversized heated infinity pool that includes a splash pool & large spa. Truly Incredible! Hidden Hills can no longer hide this gorgeous home that sits well perched atop this elevated & amazing Scottsdale piece of property. Homes like this do not come along often & the opportunity to purchase them is often rare. Why are you still reading this?..... Someone else is likely right now making arrangements to get inside and see it or already submitting an offer to make it their own.

21330 N 78th Street Scottsdale, AZ 85255

$2,825,000
5 Beds
4.5 Baths
4,089 SqFt
Status Active
MLS # 6763817
Property Type Single Family Residence
Price Type --
Welcome to this stunning, fully remodeled home in the prestigious guard gated section of Raptor Retreat in Grayhawk, North Scottsdale. Designed with modern elegance and thoughtful functionality, this residence showcases exceptional craftsmanship and luxurious details throughout.The spacious split floorplan is highlighted by rich European oak wood flooring and abundant natural light streaming through large windows, offering serene views of the open desert landscape. The heart of the home, the kitchen, is a true showpiece, featuring custom flat-panel cabinetry and exquisite Taj Mahal and Panda marble countertops—perfect for casual meals or entertaining guests in style. Every living area is a private retreat, surrounded by lush greenery and backing to a tranquil desert wash. Outside the updated modern pool takes center stage, complemented by a harmonious blend of turf and stone walkways, patios, and lounging spaces. Spend your evenings enjoying the firepit or hosting gatherings at the built-in BBQ, creating unforgettable memories in this idyllic setting. Located in a sought-after golf community, this home is just a short walk to top-rated schools, Grayhawk Golf Club, Isabella's and Phil's Grill, parks, and nearby shopping and dining. It's also conveniently close to HonorHealth Scottsdale Thompson Peak Medical Center, Mayo Clinic, and more. This exceptional property offers the perfect balance of luxury, comfort, and conveniencean ideal retreat in the heart of North Scottsdale.

3718 E Sells Drive Phoenix, AZ 85018

$2,824,900
4 Beds
4.5 Baths
4,169 SqFt
Status Active
MLS # 6767565
Property Type Single Family Residence
Price Type --
Community consists of 16 modern semi-custom homes. Walking distance to popular Arcadia lite eateries. Endless builder upgrades and recent additions from current owner. 4 bedrooms, 4.5 baths, air-conditioned 3-car garage. Front entry patio w/sitting area & fireplace. Modern glass front door entry with sidelight. Beautiful engineered wood floors t/o. Great room concept with open kitchen. Large center island. Custom cabinetry, high grade stainless Sub-Zero/Wolf appliances. Granite/stone counters. Large walk-in pantry. Soaring vaulted ceilings at living area w/exposed deco trusses. Upgraded surround sound. Built-in wet bar w/wine fridge. Custom fireplace. French doors off dining space to built-in outdoor barbecue. Lower level primary suite-features separate shower/freestanding soaking tub- -split dual vanity, large walk-in closet with built-ins, and fireplace. There's an additional en-suite downstairs AND guest half bath. Upstairs has 2 additional split en-suites. Massive secondary living space with vaulted ceilings. Office nook with built-ins. Secondary nook with built-cabinets for added storage. Custom light fixtures throughout. Oversized interior laundry with added cabinetry and utility sink. Whole home Savant water purification & water softener. New 5-ton a/c (23). $25,000 interior/exterior camera system. $450k in upgrades from previous owner. Expansive covered patio w/pavers. Heated salt-water play pool with water feature. Custom pergola with above ground jacuzzi. Outdoor fire pit. Easy care front & rear yard. Recently added landscape and upgraded lighting. N/S exposure. Situated at the start of cul-de-sac. Walk or bike to Arcadia's popular restaurants and pubs.

12308 N 119th Street Scottsdale, AZ 85259

$2,820,000
5 Beds
6 Baths
6,567 SqFt
Status Active
MLS # 6803549
Property Type Single Family Residence
Price Type --
Located on the 14th Fairway of Ancala Country Club, this Frank Lloyd Wright inspired home offers stunning views of Camelback Mountain, the McDowell Mountains and Taliesin West. Sunsets and city light views will take your breath away! This is a magical piece of real estate on truly one of the most incredible lots in North Scottsdale. Located in the heart of Ancala, this large custom, contemporary home has timeless style. Built by Celebrity Homes, this home offers a grand lifestyle! Flowing spaces and disappearing walls of glass create Arizona indoor/outdoor living at its best! The kitchen features warm, flat-panel, Birdseye maple cabinetry and state of the art chef appliances! The great-room living space is The home is ideally located near some of Scottsdale's top amenities including fabulous hiking trails, the Mayo Clinic, Honor Health Hospital, Basis Charter and other top rated schools. Ancala Country Club offers one of most affordable Golf, Fitness or Lifestyle Memberships all of which are available. Ancala Sales Manager, Jodee Dominici, can assist with all membership opportunities. No reason to join the club if you don't golf, the homeowners in Ancala are friendly and have numerous social gatherings, progressive wine dinners, holiday parties, and more. Don't miss this home! They don't often come available. **NOTE CLUBHOUSE is an optional membership for use of pool, fitness, and tennis. VERY AFFORDABLE depending on which membership level you want.**

7130 E Saddleback Street Unit 11 Mesa, AZ 85207

$2,815,000
4 Beds
5 Baths
4,654 SqFt
Status Active
MLS # 6815076
Property Type Single Family Residence
Price Type --
This stunning home is located in the highly desirable community of Las Sendas in Mesa, situated on the golf course. This open-concept design has been taken down to the studs, and thoughtfully rebuilt with luxurious upgrades throughout with the addition of a new casita. The entire home features beautiful Italian porcelain tile flooring and custom solid wood white oak cabinets. The entire home has been outfitted with new interior and exterior doors, and designer windows throughout. The chef's kitchen boasts top-of-the-line European appliances. All en-sutie bedrooms featuring walk-in closets. The home's air conditioning system has been upgraded with three new units. The front and backyards have been beautifully landscaped, complemented by a brand-new pool.This home is truly a masterpiece.

24007 S Lindsay Road Chandler, AZ 85249

$2,810,000
4 Beds
3 Baths
2,153 SqFt
Status Active
MLS # 6799588
Property Type Single Family Residence
Price Type --
LOCATION LOCATION !! LAST CHANCE to own 2.97 acres, with irrigation, in PRIME LOCATION in Southeast Chandler! Property consists of a block built home, pool, a separate garage workshop, fully fenced with two automatic gates. Current property water source is a shared well. Inside you will find 4 bedrooms, 3 baths, formal sunken living room, family room with fireplace and a kitchen with granite countertops. Master bedroom has a walk in closet. Two secondary bedrooms have private exit to the pool area. Updates from original build include windows and roof. YOU CAN BUILT ANOTHER ONE OR TWO HOMES!! NO HOA!! MUST SEE!!

7624 E Stagecoach Pass Carefree, AZ 85377

$2,800,000
5 Beds
4 Baths
5,372 SqFt
Status Active
MLS # 6797136
Property Type Single Family Residence
Price Type --
Nestled in the serene Sonoran Desert of Carefree, Arizona, this exquisite estate combines luxury, privacy, and breathtaking views of Black Mountain. The main home features 4 bedrooms (3 with en-suite bathrooms), a chef's kitchen, a movie theater, a gym, and an over-sized 3 car garage. The guest house offers a full kitchen, living room, bedroom, bathroom, and a rooftop deck with stunning views and a fire pit. The backyard is a resort-style oasis with a heated pool, two hot tubs, multiple fire features, and a built-in BBQ station, surrounded by lush desert landscaping. Perfectly located less than a mile from Carefree's shops, restaurants, hiking trails, and world-class golf courses, this property offers the ideal balance of tranquility and convenience.

4450 E Camelback Road Unit 4 Phoenix, AZ 85018

$2,800,000
4 Beds
3.5 Baths
3,586 SqFt
Status Active
MLS # 6810459
Property Type Single Family Residence
Price Type --
Discover luxury living at The Village at Camelback in Phoenix! This 4 BR, 3.5 BA patio home, 3,586 sq. ft., with an additional office/den/guest room. Nestled in an exclusive gated community, this rare gem offers breathtaking views of Camelback Mountain from expansive high-grade glass walls & beautifully landscaped outdoor areas. The open floor plan showcases updated flooring, a light-filled great room, & a chef's kitchen perfect for entertaining. Retreat to the primary suite with spa-like amenities. Enjoy seamless indoor-outdoor living with a private courtyard & lush backyard. Close proximity to the airport, Global Ambassador Hotel, numerous restaurants, shopping as well as The Village Health Club. Don't miss this one-of-a-kind gem in the heart of the city!

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