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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8724 E Regina Circle Mesa, AZ 85207

$2,200,000

5 Beds

5.5 Baths

5,375 SqFt

Status Active

MLS # 6776151

Property Type Single Family Residence

Price Type --

If you are looking for a Custom Home, with the BEST 360 degree views in the Valley, this property is for YOU! Check out this 5 bedroom, 5.5 bathroom w/ Home Gym, 4 Car Garage home nestled on a prestigious cul-de-sac lot in the hills of Las Sendas. This Gated, Mediterranean Style home, on nearly an Acre, is the ultimate in Privacy & Relaxation! Enjoy outdoor living w/ multiple Patios/Courtyard, Heated Pool & Spa, & Gas Firepit. This property has a chef's kitchen with a 6 burner Gas Range, Industrial Refrigerator, Custom 42 in Real Wood Cabinetry & a Perfectly Curated Hood & Pot Filler. Enjoy the City & Mountain Views from the primary bedroom, with an oversized closet, a huge soaking tub, walk in shower & double vanities. If you are looking for a Custom Home, with the BEST 360 degree views in the Valley, this property is for YOU! Check out this 5 bedroom, 5.5 bathroom w/ Home Gym, 4 Car Garage home nestled on a prestigious cul-de-sac lot in the hills of Las Sendas. This Gated, Mediterranean Style home, on nearly an Acre, is the ultimate in Privacy & Relaxation! Enjoy outdoor living w/ multiple Patios/Courtyard, Heated Pool & Spa, & Gas Firepit. This property has a chef's kitchen with a 6 burner Gas Range, Industrial Refrigerator, Custom 42 in Real Wood Cabinetry & a Perfectly Curated Hood & Pot Filler. Enjoy the City & Mountain Views from the primary bedroom, with an oversized closet, a huge soaking tub, walk in shower & double vanities. The additional 4 secondary bedrooms are oversized and have en-suite bathrooms w/ walk-in closets. Unique to this property is a $15,000 surround system with a bonus/media room off the garage. Las Sendas is a top rated community in Mesa, with a 18 Hole Championship Golf Course, and a community membership option that includes pickleball courts, a community pool, and more! Las Sendas is surrounded by incredible hiking trails, beautiful parks, and multiple pathways to fun, adventure and a healthy lifestyle. Make this property yours today!

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118 E Palm Lane Phoenix, AZ 85004

$2,200,000

4 Beds

4 Baths

3,915 SqFt

Status Active

MLS # 6775423

Property Type Single Family Residence

Price Type --

Own a piece of Phoenix history with the esteemed RA Cox House, a 1925 adobe by Hollywood architect C. Lewis Kelley. Situated next to the Alvarado historic district, and on the National Register of historic homes, this stunning Spanish Colonial shares her 20,000+ sf irrigated lot with numerous citrus, fig, Crepe Myrtle and palm trees. Complete with beamed ceilings, wood floors and restored windows, the home is timeless and elegant with fabulous entertaining spaces. The light-filled east-facing kitchen is a culinary dream, with Soapstone counters and Carrara marble island. The serene master suite comes complete with a spacious walk-in closet and recently renovated bath. French doors spanning the back of the home lead to the covered porch and oasis-like backyard, featuring a glass-tiled pool , mature landscape and raised-bed gardening area. Additional highlights include a temperature-controlled wine cellar with arched brick storage, high-capacity AC units, 2 car garage with additional storage area and reduced property taxes. This exceptional property offers a unique blend of history, luxury and tranquility.

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4455 E Quail Brush Road Cave Creek, AZ 85331

$2,200,000

4 Beds

4.5 Baths

3,652 SqFt

Status Active

MLS # 6766062

Property Type Single Family Residence

Price Type --

Extraordinary home that combines elegance and comfort! Beautiful 4 bedrooms plus den with split design. All secondary bedrooms with ensuite baths! Luxurious primary suite with his & hers vanities, separate soaking tub & large walk-in shower! Top of the line appliances enhance the chef kitchen with large island, pot filler, wine bar & large walk-in pantry. Cook outdoors too! In the fully appointed kitchen with grill, gas stove, ice maker, & dual beverage/condiment refrigerators! Embrace the carefree lifestyle of RV life with the 50 foot RV garage & workshop. Plenty of room for other toys/boats with dual RV gates! (one on each side of home) Telescopic doors from great room to patio unveils the backyard oasis with sparkling pool, putting green, citrus trees & low maintenance landscaping. Dis Discover the meticulous extra details that add to your comfort level such as, Whole house water filtration system, Entertainment system throughout, California closets in every bedroom closet, Solid wood doors throughout, Digital door locks & pool controls & Security camera. You'll appreciate the LOW utility bills with the 68 Panel owned Solar system! Pre-wired for electric infrared ceiling heaters on patio, pre-wired for electric shades on patio, and pre-plumbed for air compressor on patio (for misting system) and in the garage! Paved Circle driveway allows for extra guest parking. Rare opportunity to call this home YOURS!

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26004 S Washington Street Chandler, AZ 85249

$2,200,000

4 Beds

4.5 Baths

5,531 SqFt

Status Active Under Contract

MLS # 6751423

Property Type Single Family Residence

Price Type --

Gorgeous, one of a kind, custom built home on over half acre, complimented by the professional landscape lighting front & back. Single level w high end finishes throughout. Chef's kitchen, granite countertops, cherry cabinets, 2 islands, separate fridge & freezer, large veg sink, & 6 burner gas stove w griddle & pot filler. Primary suite w fireplace, 2 walk-in closets, sep lavatories, study & exercise room. Living room w massive gas fireplace, wet bar & entertaining area, Spacious split 3 ensuite bedrooms. Separate Theater room, built in vacuum system & citrus trees. Great location at the end of the street, with neighbors only on 1 side. Walk into the backyard, and feel like you are in your own private resort, w heated pool, state of the art outdoor kitchen, putting green & fire pit.

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4150 E Dynamite Boulevard Cave Creek, AZ 85331

$2,200,000

3 Beds

3 Baths

1,378 SqFt

Status Active

MLS # 6664797

Property Type Single Family Residence

Price Type --

Seller-Financing Available! A very rare ''RU-43'' zoned Ranch to purchase in the absolutely best possible location of the Valley (a Hop & Skip from the Dynamite Roping Arena). And the Seller will consider ''Carrying the Paper'' on the financing. By the way, the ''U'' designation of the RU-43 affords additional privileges for equestrian purposes, and there is ''NO HOA''. This property is loaded with features. A Modern Barn with: Office, Ranch Hand Living Quarters, Fourteen (14) Stalls/Pens (7 in barn), Grooming Bay, Horse Drawn Carriage Garage, and Tac Room; Bull Pen, Walker, Multiple Corrals, Multiple Arenas, Breeding Facilities and a 'Hay Barn'' that would be difficult to get a permit to build these days. This ranch just went through a major renovation. Modern steel fencing was installed on the complete perimeter to help secure the property and keep unwanted animals from entering. A New Arena and Updated Corrals, were updated as well in the same way. And the house and barn were detailed throughout. The home was inspected as if the present Seller was a buyer, and items found to be an issue were repaired. And lastly, this Seller will consider owner financing for the right Buyer.

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26827 N 68th Street Scottsdale, AZ 85266

$2,200,000

5 Beds

5 Baths

4,383 SqFt

Status Active

MLS # 6640376

Property Type Single Family Residence

Price Type --

CONTEMPORARY TENNIS COURT ESTATE~! Acre+ with guest house. A private paradise awaits you via a long curved driveway. Enjoy your lighted tennis court, sheltered amidst shade trees, mature cacti, flowering shrubs. This masterpiece is built to last with Integra Block, I-Beam & Post Tension Concrete. Dual living floorplan is connected by an upper level view skywalk & overlooks the heart shaped pool. Wood/tile/concrete flooring. All bedrooms have walk-in closets & upper deck access. Cute guest house with mini-kitchen & 3/4 bath. Office, Library wall, Media room, home gym w/shower. Soaring wood ceilings in great room Double Island kitchen w/sleek gray quartz counters, stainless appliances, tall wine cooler, W/I pantry. 2 story exterior metal fireplace. Ramada w/BBQ, pvt Garden. NO HOA FEES~!

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4828 E Clearwater Parkway Paradise Valley, AZ 85253

$2,200,000

4 Beds

3.5 Baths

3,915 SqFt

Status Active

MLS # 6711236

Property Type Single Family Residence

Price Type --

Opportunity awaits in the Guard-Gated Clearwater Hills community of Paradise Valley. This single-level gated home sits majestically on just under one acre of prime, buildable land, offering privacy and breathtaking panoramic views of Camelback, Phoenix Mountain Preserve, and Mummy Mountains. The spacious floor plan offers an effortless flow between living, dining, and entertaining areas. Spacious Primary Suite with his and her bathrooms, and expansive closet. Three other bedrooms plus a bonus/game room. Easy access to world-class golf courses, fine dining, upscale shopping, hiking trails, and cultural attractions. and minutes away from the vibrant amenities of Scottsdale and downtown Phoenix.

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1775 S 131st Street Gilbert, AZ 85233

$2,200,000

5 Beds

7 Baths

5,343 SqFt

Status Active

MLS # 6714697

Property Type Single Family Residence

Price Type --

Experience unparalleled luxury in this meticulously designed Tuscan-inspired home. As you approach the grand front entry, custom old-world wood/metal doors welcome you into enchanting front courtyard. Step inside to discover a huge foyer and open interior that epitomize grandeur.Key Features*5400 Sqft Layout, Spacious and open, perfect for both relaxation & entertaining*Lush 1.38 Acre Lot:*A sprawling estate offering ample outdoor space for recreation*Gourmet Kitchen w granite counter tops/ designer cabinetry, a culinary haven ideal 4 entertaining *High-End Finishes, Meticulous attention to detail w/ luxurious finishes throughout*Resort-Style Outdoor Oasis: Heated pool & spa, gas fire pit, outdoor grill, putting green, & multiple covered entertaining areas. 8-Car Gar

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38646 N 104th Place Scottsdale, AZ 85262

$2,200,000

3 Beds

3.5 Baths

2,544 SqFt

Status Active

MLS # 6739325

Property Type Townhouse

Price Type --

Golf Membership available & Furnished~Remodeled Hacienda in a fresh ''Cala Lily'' soft white palette with new flooring, countertops, backsplash, primary suite walk-in shower, electrical and new plumbing. This is a GEM as a lock and leave or easy primary residence with less maintenance in mind. Dual generous entertaining patios both covered and uncovered lounge/dining areas featuring an exterior fireplace and BBQ patio showcasing a new bar with more conversation space. Primary suite has been completely redone; elegant white hexagon tile flooring, dual sided zero entry shower with new hardware and 2 walk in closets. Bright farmhouse style kitchen opens to the great room and dedicated dining with a very convenient and civilized service bar. En-Suite casita with kitchenette, sitting area and views of Pinnacle Peak, Tom's Thumb and all the ranges that surround. Please see features sheet in documents tab for a complete list of all updates/upgrades regarding this just finished remodel.

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7425 E Gainey Ranch Road Unit 50 Scottsdale, AZ 85258

$2,200,000

3 Beds

3 Baths

3,783 SqFt

Status Active

MLS # 6742580

Property Type Single Family Residence

Price Type --

Introducing a true masterpiece! A home that captivates with its perfect blend of luxury and tranquility. This fully updated and upgraded sanctuary, nestled behind guard gates on an expansive double lot in one of Scottsdale's most exclusive neighborhoods, has been reimagined with a sophisticated modern design. The seamless indoor-outdoor flow creates a rare harmony, inviting guests to move effortlessly through the open, light-filled spaces toward the inviting pool area. With exceptional attention to detail, this distinctive home in Gainey Ranch Legends features 3 bedrooms, 3 baths, and a grand master suite that epitomizes both elegance and comfort, complete with a lavish master bath. Ensconced within a secure, double gated community and surrounded by meticulously landscaped grounds

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12209 N 66th Street Scottsdale, AZ 85254

$2,200,000

5 Beds

3.5 Baths

4,266 SqFt

Status Active

MLS # 6762109

Property Type Single Family Residence

Price Type --

Back on market. Buyer couldn't perform. Dream backyard on over a flat acre. Quiet and minimally traveled street. Front door flows open to large bifolds creating a beautiful indoor outdoor environment. Custom white oak kitchen w quartzite countertops. Walk in pantry. Showcase wine cooler. Separate dining space with bar. 3 fireplaces. Two primary suites, # Separate living rooms with options for convertible space. 1300sf garage with tremendous ceilings and workshop space. Every inch of this house has been completely gut renovated. AC and ductwork is brand new. Brand new roof and stucco. All plumbing is new. Resort like backyard, the exterior showcases a brand new pool with heater, oversized outdoor kitchen, water feature, bocce ball, putting green, fire pit, new fence. List goes on and on

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9590 E Altadena Avenue Scottsdale, AZ 85260

$2,200,000

4 Beds

3.5 Baths

4,632 SqFt

Status Active

MLS # 6686677

Property Type Single Family Residence

Price Type --

Nestled behind the gates of an exclusive Scottsdale neighborhood, this stunning contemporary home epitomizes luxury living. Boasting clean lines and sophisticated design, this residence is conveniently located near premier shopping, dining, and esteemed schools. Upon entering, you're greeted by soaring ceilings and newly installed wood flooring, creating an inviting atmosphere flooded with natural light. The expansive walls of glass seamlessly blend indoor and outdoor living, offering a tranquil retreat from the bustling city life. The meticulously crafted layout includes a master suite boasting a comforting fireplace and a lavish bathroom equipped with heated floors, a multi-person Jacuzzi jetted tub, and a stunning glass wall opening onto a secluded courtyard. Four extra guest rooms, one with a steam shower, offer generous areas for unwinding and work alike. The updated white kitchen is a chef's delight, boasting a large island with custom lighting and top-of-the-line appliances. It effortlessly flows into the spacious family room, featuring a fireplace, surround sound, and wet bar, making it the perfect spot for entertaining guests. This home is a equipped with a smart home system and has network wiring with multiple access points. Outside, the resort-style backyard beckons with its expansive covered patio, outdoor kitchen, and built-in BBQ island. Framed by lush grassy grounds and majestic mountain views, the heated pool with rock waterfall and super sports court provide endless opportunities for recreation and relaxation.

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