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Making Someday A Reality

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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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thinkingofsomeday

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)

TL;DR: We didn’t get where we are today without

TL;DR: We didn’t get where we are today without being consistent and intentional about our money decisions once we decided enough was enough. And it definitely didn’t happen overnight as you can see from the YEARS on the timeline (12-13 years actually). It was a process and complete mindset shift. Every event that’s listed on the timeline is something that we talked about in depth and came up with a plan to execute when it was necessary.
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Timeline Overview:
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• started with budgeting (even before marriage)
•made the decision to lead a debt free lifestyle, starting with our wedding
• paid off all debt
• bought a house that was likely waaaay less then the bank would’ve approved us for
• saved up a 6+ month EF
• started investing again
• when my dad passed we decided to put the money in an inherited IRA instead of cashing it out (probably one of the single best money decisions we’ve ever made next to deciding to budget)
• saved for and almost paid cash for our SUV (we both had coupes when we had our first child; up until he was 1.5)
• over time, cash flowed all of our home updates (and it’s been a lot of them; maybe I’ll share about them one day)
• realized it was best for us to refinance to a 15 year mortgage and eventually pay it off sooner, and even faster by cashing out RSUs
• paid off mortgage and made first contribution to brokerage account the next day
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And that’s it. That’s our financial timeline and how we got to where we are today. Budgeted, calculated, and intentional decisions.
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What’s next? To be continued... #thislifeafterdebt

No long caption. I just wanted to make our last “mortgage principal payoff” calendar update. 😆 It’s been a month and it still feels surreal to us...

On Christmas Eve morning, Omar left out of the bed

On Christmas Eve morning, Omar left out of the bedroom saying that he had to go work on something. When he came back he handed me a letter that said:
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“As I sit here on the edge of paying our home off I understand that it isn’t completely about us. Our job is to set the next generation up to do better than us, which makes me think of the generation before me. This final payment would not be possible without [Kim’s dad]. He spent his life working for this money and passed away before he got to use it for himself. We agreed to use that money in a way that would always honor him. So for the past 6 years it has funded our oldest son’s 529 [via the minimum required distribution]. Today, that money has grown enough to pay off our mortgage without touching the initial principal. Today we sever ties to debt forever. Today, we say thank you to [Kim’s dad] for the sacrifices he made and the foundation he laid that made it possible. THANK YOU!!”
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Of course after l finished reading the letter I was like... 🥺😭. Truth be told, I still kind of feel that way. It’s part of why it took so long to share the details of paying off our mortgage. Losing a parent is hard.
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Pictured is my dad and I... my favorite picture of of us. He passed away 6 years ago on NYE. He was only 62. After he passed, I found out I was “entitled” to receive part of his pension. Omar and I decided to use some of this money to pay off our mortgage. This is how we were able to pay off most of our $54k balance 7 days into this year.
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This is the short version, but if you want the full details, we wrote a blog post sharing:
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• a recap of our initial mortgage payoff plan + payoff journey
• some background info about the pension + how we almost cashed it out when we first found out about it
• the breakdown of the $$ that it took to make this happen + why we did it this way
• how some things didn’t go as planned
• and each of our thoughts in regards to all of this
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You can find the link in our bio.
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“In all that I do, I strive to make my parents proud. I like to think my dad would be damn proud of me... of us, for this one.” Kim #piecesofsomeday

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