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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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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

#tbt To last Thursday (1/7/2021) when we became mo

#tbt To last Thursday (1/7/2021) when we became mortgage free!! Yes, you read that correctly! We are 100% debt free! Like debt free, debt free. 🤣
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To be honest, it’s been a week and it still doesn’t feel real to us yet. But it was real watching that money disappear from our account and no longer seeing our mortgage balance when we signed into our credit union account. We must say, our credit union works pretty fast! Lol.
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We didn’t even get around to sharing our mortgage payoff goal for the year with one of the little cute pictures explaining how we were going to do it. But here’s a quick recap of the numbers that we were working with...
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• mortgage principal: $54,507.37
• mortgage interest: $35.84
• reconveyance fee: $69.00
• paying off our mortgage... definitely not priceless, but oh so worth it!! 😂🙌🏽
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We’ll share more in depth details soon because you’re probably wondering how we came up with that amount of money 7 days into January. It definitely wasn’t from hitting the lottery! Lol. But until then, just know that...
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WE’RE MORTGAGE FREE!!! #piecesofsomeday

So we took some Christmas / family pictures back i

So we took some Christmas / family pictures back in 2020 (as if that was so long ago), but I never got to share them. 😩 So here’s one. I actually like the fact that it’s in front of our house. #piecesofsomeday
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And I also wanted to add that we finally did another blog post after quite some time. Maybe we’re the world’s worst bloggers. 🤷🏽‍♀️🤷🏽‍♂️ But if you’re interested, we’re sharing a recap of quarter 3 and quarter 4 from our mortgage payoff journey. We’re also sharing what our mortgage payoff goal is for 2021. We’re a bit excited about it! You can check it out at the link in our bio.

2020. This has been a year that I’m sure none of

2020. This has been a year that I’m sure none of us will ever forget. While this year has been ok for us for the most part, there are many people that it’s been a really really tough year for. Whether it’s been financially, emotionally, health wise, etc. etc. etc. So here’s to hoping that next year will be much much better, for everyone, but especially for those who had a tough time this year. ✨♥️

We started 2020 off with owning 43% of our house a

We started 2020 off with owning 43% of our house and we now own 69% of it. We had paid off 39% of the mortgage loan and we’re finishing the year out at having 66% of it paid off. (These 2 numbers are not the same for us because of our 5% down payment as well as when we refinanced to a 15-year mortgage.) It’s been really exciting to see these numbers increase this year.
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(Annnnnd this concludes our December numbers. I can’t believe I managed to share them all before the end of the year!! 😂)

Q4 was our best quarter by far, mostly due to the

Q4 was our best quarter by far, mostly due to the RSUs that we were able to use. However, even if we hadn’t been able to use them, Q4 would have still wrapped up nicely thanks to us still being able to stick to our 70/30 plan.

For December we were able to color in 4 rectangles

For December we were able to color in 4 rectangles. This puts our mortgage balance for the end of 2020 at $54,507.37.
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• 132 rectangles total
• 88 rectangles colored in
• 44 rectangles to go!!

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