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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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Part 2 of 4 | For those that like to see the numbe

Part 2 of 4 | For those that like to see the number breakdown, here it is.
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The part that says “budget changes” is roughly the part that used to be our mortgage of $1140.
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As usual, we made some changes to our plan once we actually started to see how it was working out. We were going to do a 50/50 split with any money leftover in the budget after our regular budgeted expenses. We thought this would be easy to do since we didn’t have a mortgage and especially since we did the 70/30 split to help pay off the mortgage.
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Welllll, that only lasted for about 3 months because it made the budget feel way too tight at times. Especially depending on how often I (Kim) worked or not and if I went over the grocery budget or not. 😬 So we changed that to a 70/30 split where 30% of the leftover money goes to the brokerage account. The other 70% is either spent or what’s left typically goes towards the “bathroom” / house fund, unless we need it in another sinking fund.
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The other change we made was that instead of saving monthly for date night and family night, we took it out of the budget completely for now. Earlier in the year we still weren’t doing much due to the panni, so it was just kind of pointless to have it as a line item in the budget. However, we did go ahead and completely fill both of those sinking funds up front. #thislifeafterdebt
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SN: “bathroom” fund is in quotes because we’ve saved twice in the past to get the bathroom done, but ended up spending the money elsewhere. At this point, we’re not sure when we’ll get it done, but since that particular column on our sinking funds spreadsheet has been known as the bathroom fund, that’s just what we continue to call it. And maybe one day the money will actually be used for that. Lol.

Part 1 of 4 | The closer we got to paying off our

Part 1 of 4 | The closer we got to paying off our mortgage, the more we talked about what we would do with our “mortgage payment” and the RSUs afterward. We set our goals before paying it off bc we knew if we didn’t come up with a plan beforehand, we would for sure just slowly spend more and more of that money. Lol. We learned from doing that after becoming debt free although we don’t regret what we did back then bc it was just sooo freeing (but we weren’t completely reckless).
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Here’s a breakdown of what we decided to do (and literally started working on the day after we paid off our mortgage):
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• started contributing to a brokerage account
• splitting the RSUs between the brokerage account and our “bathroom” / house fund
• maxing out a 401k
• maxing out both Roth IRA’s
• we’re paying for our oldest son’s 529 from the budget now
• increased our blow money / spending money for the first time ever from $60 each per pay period to $80 each per pay period
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#thislifeafterdebt

#fbf | This was one of my favorite ways to share t

#fbf | This was one of my favorite ways to share the progress of our #mortgagefreejourney.
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On another note, we kinda wish we could paint the door red, but think it would clash with the brick. Hmmmm. 🤔 #thislifeafterdebt

Sunday Vibes. ✨(and plus this one deserves its o

Sunday Vibes. ✨(and plus this one deserves its own square)The red and black sharpies just might be my favorites though. #thislifeafterdebt

Coloring in the last “bricks” of our mortgage

Coloring in the last “bricks” of our mortgage free chart was surreal although we had paid off the mortgage 3 months beforehand. We had waited so long for this moment that we couldn’t believe it was actually here.
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I also can’t believe that we forgot to take a picture with the kids. So I photoshopped them in. 😂
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And last but not least, we had to divide the last "brick" so we could both color it because neither of us wanted to give up the opportunity to color the last brick. Lol. And ultimately we colored it together because... #teampetty 🤣
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Coloring it in felt pretty momentous; kinda like when we got married. Guess that's why we were humming the wedding tune. Haha. #thislifeafterdebt

It’s been 6 months since we paid off our mortgag

It’s been 6 months since we paid off our mortgage. However, we actually celebrated back in April (3 months post mortgage) and kept it sweet and simple due to the panni.
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We invited our parents over and had a crab boil, cake, and wine. And of course we finished coloring our mortgage free chart!
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Overall, it was a great celebration. Sharing more details of what’s been going on money wise post mortgage on the blog. #thislifeafterdebt

Year 9 | What’s an enjoyable evening without goo

Year 9 | What’s an enjoyable evening without good food? One thing that we’re willing to spend money on when it comes to date nights is good food, even if it’s pricey. We don’t do it all the time because… budget and balance.
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Originally we planned to go out for dinner and then order room service for breakfast before checkout. We definitely did dinner, but skipped on room service when we saw the prices. Lol. For some reason we can’t wrap our head around spending dinner prices on breakfast food unless it’s a buffet type style place where you can get a lot of food for the money. 😆 We opted to just skip breakfast, eat homemade sandwiches for lunch (they were good), and then go out for sushi with the kids for dinner.
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SN: I also packed us some snacks and juices after reading the reviews about the costs of the snacks and drinks. They weren’t lying. Lol.
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Ultimately, it all worked out well and we enjoyed our night away for our anniversary. Looking forward to doing this again one day (and hopefully for more than one day)! #piecesofsomeday
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(post 3 of 3)

Year 9 | We celebrated 9 years of marriage over th

Year 9 | We celebrated 9 years of marriage over the weekend. So proud of and thankful for all we’ve accomplished thus far (this is literally what I was thinking earlier that day and what Omar said out loud later that evening). 🖤
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In our 9 years of marriage we’ve:
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• agreed to budgeting and paying off debt
• bought, mostly updated and paid off our home
• maintained a debt free lifestyle, while still living what we consider to be an enjoyable life
• had 2 beautiful boys that we’re trying our best to setup for generational wealth and teaching them about money/personal finance (age appropriate, of course)
• and over the years increased our investing…
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all while still continuing to communicate with, compromise when needed, and love one another. What more could we ask for? #piecesofsomeday
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(post 2 of 3)

Year 9 | Over the weekend, we celebrated our 9 yea

Year 9 | Over the weekend, we celebrated our 9 year wedding anniversary. We decided to book a hotel for the night and send the kids to the grandparents. First time ever. 😩🥴
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The hotel we stayed at was the same one we stayed at the night of our wedding. We loved the view then, and wanted to experience it again. I was debating booking the more expensive room since that one came with wrap around windows, but ultimately I decided not to since I could still get a view for cheaper. Besides, I figured that it might be worth it to tell them when we checked in that we stayed there the night of our wedding, and we were coming back for our anniversary.
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Low and behold, when we told the guy, he said, “Oh. Well let me upgrade you to a corner suite! (aka… the room with the wrap around windows). Please and thank you!!🙌🏽🙌🏽 #piecesofsomeday
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(post 1 of 3)

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