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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15926 W Bronco Trail Surprise, AZ 85387

$505,990 - 4Br/3Ba -  for Sale in Mason Ranch Ii, Surprise
Open House
$505,990
4 Beds
3 Baths
2,434 SqFt
Status Active
MLS # 6703963
Property Type Single Family Residence
Price Type --
This is an amazing home, this quick move-in Pearl floor plan is indeed one of our best-selling homes, it boasts a stunning design with upgraded kitchen cabinets, quartz countertops and a stylish backsplash, the master bathroom includes a spacious shower, the home is equipped with Smart Home Technology, and is also Energy Star Certified, ensuring energy efficiency, the oversized sliding glass door provides abundant natural light and easy access to the outdoors, the upgraded electrical package and recessed can lighting enhance the overall ambiance of the home, window coverings are included for privacy and aesthetics, and of course the home comes with a garage door opener for convenience and security, it's a perfect combination of style, functionality and modern features, come and see!

24099 N 147th Drive Surprise, AZ 85387

$505,774
4 Beds
3 Baths
2,204 SqFt
Status Active
MLS # 6703239
Property Type Single Family Residence
Price Type --
Up to 3% of total purchase price towards closing costs incentive offer. Additional eligibility and limited time restrictions apply; details available from Selling Agent. MLS#6703239 October Completion. Experience contemporary living at Los Cielos at Rancho Mercado with our 40-2 floorplan—a single-story oasis featuring 4 bedrooms and 3 baths. The open design effortlessly connects the dining room, kitchen, and great room. Delight in the kitchen with tiled backsplash, recycle center, and beautiful soft close cabinets and drawers. Three secondary bedrooms and 2 bathrooms adorn the front for added seclusion, while the primary bedroom at the rear offers a generous walk-in closet, spa-like shower, and dual vanities—blending opulence with functionality.

1061 S Annie Lane Gilbert, AZ 85296

$505,000
3 Beds
2.5 Baths
1,982 SqFt
Status Active
MLS # 6692061
Property Type Single Family Residence
Price Type --
Charming 3 bed/ 2.5 bath home in the popular Gilbert location of Cooley Station North. 1,982 sq ft, functional floor plan with an open concept kitchen; ample counter space, cabinets, RO drinking water system, a large pantry & a window over the sink facing the front yard. Main living space is well-designed with a four panel sliding glass door providing abundant natural light and a seamless transition of indoor/outdoor living & entertaining. Double door entrance into the primary suite featuring a gorgeous bathroom including oversized shower, standalone tub, dual sinks & a spacious closet. Also upstairs is the laundry room & additional two bedrooms with room in between for a small home office. The best of low maintenance living in a vibrant community with tons of amenities at a great value. Resort style heated pool, spa, ramadas & BBQ grills, greenbelts & a basketball court just a 2 min walk away. Come check out this fantastic community with convenient access to shopping, dining, entertaining, award winning schools & a 2 min drive to the 202 freeway.

8023 S 42nd Drive Laveen, AZ 85339

$505,000
4 Beds
2.5 Baths
2,522 SqFt
Status Active
MLS # 6700120
Property Type Single Family Residence
Price Type --
A beautiful ranch-style home with stone accents, desert landscape, & a 3-car tandem garage is awaiting its new owner! Inviting hallway leads to the open floor plan offering patio access and a sizeable living room. Tray ceilings, stylish tile flooring, plantation shutters, and a formal dining room w/a lovely chandelier are features you'll love. Stunning kitchen is equipped w/recessed lighting, black SS appliances, granite counters, a mosaic tile backsplash, a breakfast nook, a large island w/a breakfast bar, and handsome wood cabinets w/crown molding. Oversized main retreat enjoys an immaculate ensuite with two vanities. Amazing backyard displays an enclosed covered patio w/multi-sliders, a huge gazebo, pavers, artificial turf, a storage shed, & incredible mountain views! Call today!

1701 W Amberwood Drive Phoenix, AZ 85045

$505,000 - 3Br/3Ba -  for Sale in Foothills Club West, Phoenix
New
$505,000
3 Beds
2.5 Baths
2,178 SqFt
Status Active
MLS # 6706314
Property Type Single Family Residence
Price Type --
Welcome to your dream home nestled in the highly desirable Arizona Greens Community Ahwatukee. This impressive two-story residence boasts three spacious bedrooms, 2.5 bathrooms, and a two-car garage. Recently renovated with exquisite upgrades, this single-family home offers a warm and inviting atmosphere. Step inside to discover a beautifully updated interior featuring quartz countertops, SS stainless steel kitchen appliances, fresh interior paint, above-counter sinks in all bathrooms, stylish faucets, plush carpets, and engineered wood flooring. Enjoy the added touches of a new shower door, shutters, blinds, and wireless programmable thermostats, all installed in 2022. Further enhancing its appeal, the kitchen and bathroom cabinets have been upgraded, along with a fresh exterior paint job in 2024. The water heater was replaced at the end of 2021, ensuring comfort and convenience for years to come. Located conveniently near the 202 freeway, commuting to work or exploring the vibrant city of Phoenix is a breeze. Experience the natural beauty of South Mountain Park and Preserve, offering various outdoor activities, including hiking, horseback riding, and mountain biking. Ranked as the #1 Best Neighborhood in Phoenix by Niche in 2022, Ahwatukee offers top-rated schools within the renowned Kyrene School district, including Desert Vista High School. Residents of the Arizona Greens Community enjoy access to fantastic amenities, including a clubhouse, a park with tennis and pickleball courts, sand volleyball courts, basketball courts, and playground equipment. Be part of a vibrant community that hosts exciting events for homeowners and delights in spectacular Christmas light displays.

15055 W Desert Hills Drive Surprise, AZ 85379

$505,000 - 4Br/3Ba -  for Sale in Rancho Gabriela Phase 2, Surprise
New
$505,000
4 Beds
3 Baths
2,587 SqFt
Status Active
MLS # 6707168
Property Type Single Family Residence
Price Type --
*Seller Incentives!* Welcome to Rancho Gabriela a highly desired community near Marley Park in Surprise. As you arrive you will notice the oversized driveway and a split 3 car garage for all your toys and storage needs. Entering the home you are greeted by a large open great room with lots of natural lighting and plantation shutters. Your smart kitchen boast a large island and smart stainless-steel appliances with Alexa functionality all included. There is a full bedroom and full bathroom downstairs. The grand staircase leads you to an open loft area and 2 more bedrooms and the master suite giving you plenty of room for any size family. Walk out to your backyard oasis and enjoy the Arizona summer in your own private pool and large covered patio perfect for entertaining. Come see it today!

1902 N 125th Lane Avondale, AZ 85392

$505,000 - 4Br/2Ba -  for Sale in Vistas 2 At Rancho Santa Fe, Avondale
New
$505,000
4 Beds
2 Baths
1,642 SqFt
Status Active
MLS # 6704721
Property Type Single Family Residence
Price Type --
Your tropical paradise awaits. This beautiful home features 4 bedroms, 2 bathrooms and 1642 Sq. Ft. This home is sitting on a huge, pie shaped lot (13,360 Sq. Ft.) Let's talk about privacy ... You have no direct neighbors on either side of your fence. Your backyard oasis comes well equiped with a beautiful sparkling pool, built-in BBQ and large covered patio, just in time for summer. The kitchen features all stainless steel appliances, modern cabinetry and subway tile backsplash. This home has designer accent paint throughout and is conveniently located on a cul-de-sac lot, close to shopping, dining, spring training, golf and lots of parks.

8712 W Palmaire Avenue Glendale, AZ 85305

$505,000
4 Beds
2 Baths
2,345 SqFt
Status Active
MLS # 6657766
Property Type Single Family Residence
Price Type --
Brand New Kitchen & Master Counter Tops!! Spacious 4 bedroom home on a cul-de-sac. This home has a separate family room, living room, and dining room. The large kitchen has plenty of cabinets for storage and an island. Both bathrooms have double sinks. The home as 2 central AC units and a 2 1/2 car garage. The home is close to Glendale Arena, Cardinals Stadium, schools and the new Westgate project. Only minutes away from Loop 101 and I-10

7256 W Park Street Laveen, AZ 85339

$505,000
4 Beds
3 Baths
2,833 SqFt
Status Active
MLS # 6678382
Property Type Single Family Residence
Price Type --
IS A 13,992 SQUARE FOOT LOT big enough for you? And YES it has an RV GATE . 4 Bedrooms 3 bathrooms and a 3 Car Garage. Nice loft space for upstairs living. MASTER BEDROOM is on the first floor and it has a GINORMOUS walk-in closet. Master Bathroom has TWO sinks and SEPARATE tub and shower. Also a second bedroom on 1st floor. KITCHEN has large sit-down ISLAND, Tile floor, PENDANT LIGHTS, STAINLESS STEEL APPLIANCES and custom tile backsplash. YES the house has SOLAR. AND YES the SOLAR will be PAID OFF at close of escrow. & YES we are ready for your offer today!

6547 E Sierra Morena Street Mesa, AZ 85215

$505,000
3 Beds
2 Baths
1,618 SqFt
Status Active
MLS # 6684384
Property Type Single Family Residence
Price Type --
Welcome home to a one of a kind real southwestern home where the outdoors has been brought inside to help you feel close to nature indoors while being surrounded by nature in the east valley. Located in prestigious Red Mountain Ranch, home to parks, lakes, a restaurant, and for an additional fee a membership to the clubhouse, swimming pool, tennis courts, and a Pete Dye designed 18 hole championship golf course! The current owner's upgrades to this home can now be enjoyed by you for years to come. Experience a charming rustic custom interior with colors that provide a relaxing environment, reclaimed barnwood wainscoting for a cabinesque feel, tiled walls and showers, real stone backsplash walls in the kitchen, ceilings bordered with wood for an outdoorsy feel, lots of windows that provide natural lighting, upgraded wood-grain porcelain floors plus bamboo flooring in the master bedroom, sliding barn door in the master bathroom, and 12 foot tall ceilings that make every room feel extra spacious. Enjoy homemade meals in your country kitchen with beautiful granite countertops and room for an herb garden in your big bay window. Feel like a rodeo king and queen in your gorgeous master bathroom and your buckaroos will feel pampered in their bathroom with colorful tiled walls, shower, and countertop. There is even porcelain tile on the front and back porches making a beautiful setting for entertaining guests. So much storage in the garage cabinets, attic, wood-enclosed areas, pantry, and 2 sheds! The 10x20 shed is large enough to become your workshop, game room, man cave, or she shed. Plus enjoy 3 bedrooms And an office! The floor plan includes 2 living areas offering flexible uses. A whole home water softener makes housekeeping easy. And a reverse osmosis water filtration system in the kitchen provides healthy, good-tasting water conveniently. The back yard has room for fruit trees and a garden. Sunscreens on bedroom and master bathroom windows helps the summers to be more comfortable. You will love being in a picturesque area near mountains, hiking trails, off-road trails, the Salt River, and lakes with the convenience of being near the freeway for easy access to all the Phoenix valley has to offer. And the Beeline highway is nearby also - travel north for a change of scenery and exploration. Come see why people love living in the east valley that offers a rural feel while being close to amenities. Watch a video on youtube: search for Rustic custom Red Mountain Ranch home. On zillow under Facts & Features click on View Virtual Tour.

18326 W Turquoise Avenue Waddell, AZ 85355

$505,000
4 Beds
3 Baths
2,200 SqFt
Status Active
MLS # 6679373
Property Type Single Family Residence
Price Type --
4 bedroom, 3 bath, single story home with pool in beautiful Cortessa. This amazing home has huge kitchen with granite counter tops, tile back splash, and stainless steel appliances. Master suite has walk in shower. Plus there are 2 master suites! Other upgrades included are new tile floors, barn door, RV gate with concrete extended from front of drive way to back of house for lots of parking space. Backyard is upgraded with pool, pavers, gazebo, dog run and your own private backyard shed FULLY air conditioned!! OWNED solar so NO PAYMENT... you can keep your house and shed very comfortable all summer long.

1231 E Helena Drive Phoenix, AZ 85022

$505,000
3 Beds
2.5 Baths
1,852 SqFt
Status Active
MLS # 6684833
Property Type Single Family Residence
Price Type --
Beautifully maintained low maintenance home including backyard turf in great location - Conveniently located within minutes to SR101, SR51 and I-17 for easy access around town - Upgraded cabinets with child locks, granite, tile backsplash - loads of storage - inside laundry room with cabinets and pantry - extensive tile throughout except stairs and bedrooms - large loft perfect for home office, gym, playroom, etc - Views of Lookout Mountain from the primary bedroom - No neighbors behind you - backs greenbelt - Oversize extended garage with overhead racks - Schools, shopping, parks, golf, hiking within minutes - Desert Ridge and Norterra just minutes away - Best of All -* WE HAVE OWNED SOLAR* - No qualifying or pymt required with full price offer - Low utility bills for the summer heat! Seller will payoff solar at closing with full price offer. Seller installed solar in summer 2020. 25 panels in total.

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