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Hey! We’re Omar + Kim.

A married couple making someday a reality all while balancing family + finances + avoiding debt. Find out more about us, here.

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The total of our mortgage principal payments for M

The total of our mortgage principal payments for March is $6684.54.
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$916.34 came from our regular payment, $531.20 came from our budget, and $5237 came from our tax refund.
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It was nice to be able to send a big chunk towards the mortgage principal this month, especially since we don’t know what the coming months will look like.

When I made this picture we owed $89,249.40. With

When I made this picture we owed $89,249.40. With everything going on, I didn’t know how I felt about posting #mortgagefreejourney stuff (or anything for that matter). But at this point, I figured why not. I need some normalcy.
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Now we owe a little less, and we’re getting close to having paid off 50% of the loan!

This should go without saying, but please be kind

This should go without saying, but please be kind to the service people. Like the ones that are still working at the stores where you’re going to try to get the items you need like toilet paper, disinfectant, food items, and baby items. If there’s a limit on the item just follow directions and keep it moving. No need to be rude to the people who are doing their job and trying to help you and everyone else during this time. #choosekindness and #begrateful because you’d be pissed if these stores closed and then you couldn’t get these items at all.

With everything that’s going on right now, one t

With everything that’s going on right now, one thing that might be helpful is to take the time daily to reflect on the things that you are thankful for, even if you can only think of one thing for that day. Today I’m thankful for the sunshine we’re currently having. ☀️ ⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀
In my stories I’m sharing some of the things we did today to enjoy the sunshine.
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What’s one thing you’re thankful for today?

We’re still planning to pay extra to our mortgag

We’re still planning to pay extra to our mortgage since our original plan was to do a 70/30 split. For those that don’t know, this means we send 30% of our leftover money (after our regular budgeted expenses) to our mortgage. As far as the other 70%, we’re planning to save majority of it, just in case. And plus there’s a few expenses we have coming up that we need to save for as well. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
What we won’t be doing is cashing out the RSUs that were helping tremendously with our mortgage payoff plan. The prices for them are considerably lower. So it doesn’t make sense to cash them out at this time.

Picture (a) shows our investments from when we sta

Picture (a) shows our investments from when we started tracking them in 2016 until now and how they’ve had their highs and lows over time, but have been increasing overall. Picture (b) shows our investments from the beginning of 2020 until now. They’ve definitely taken a drop to the tune of almost 20% so far. However, we’re planning to continue with our regular investing (401k’s, Roth IRA, and 529’s).
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In our latest blog post, we’re sharing more details of why we’re continuing with our investing as well as how this is impacting our #mortgagefreejourney. We also included some information/encouragement for those who may be wondering what they should be doing with their investments and paying off debt during this time. // link in bio @thinkingofsomeday //
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Is this market causing you anxiety or are you smooth sailing and letting your investments do what they’re going to do? Or are you somewhere in the middle?

Soooo close to 50%! Like this 👌🏽 close!! ⠀

Soooo close to 50%! Like this 👌🏽 close!!
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When I first came up with the idea to calculate the numbers this way, Omar wanted me to round up because you know, that’s how you do math (typically). However, I argued that the bank probably wouldn’t look at it that way. Lol. So 49% it is, instead of 50% because of rounding. 😩😂
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This picture is from when we finally replaced our deck. It currently needs to be painted again. And this weather needs to act right again. Lol. #thisdebtfreehome

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