Thinking of Someday

Making Someday A Reality

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Just a little bit of business we need to cover here on Thinking of Someday…

The owners of thinkingofsomeday.com / Thinking of Someday (“Site”) are Kim and Omar (“us”, “we”, “our”). All information is created by and written by us unless otherwise stated. All content provided on thinkingofsomeday.com are our opinion and for informational purposes only. 

In regards to finances, we are not financial experts and are not giving financial advice. We are merely just sharing what has worked for us. Please make sure to do your own research and seek the advice of a financial expert for your own unique situation.

In regards to any home improvements, tutorials, or suggestions, again we are not experts. We are merely just sharing what has worked for us. Please make sure to do your own research and take the necessary safety precautions as we are not responsible for your personal safety or the outcome of any home improvements or projects that you undertake.

While we try to provide accurate and complete information, we make no representations as to the accuracy or completeness of any information on this site or found by following any links on this site. We will not be liable for any errors or omissions in this information nor for the availability of this information. We will not be liable for any losses, injuries, or damages from the display or use of this information. 

These terms and conditions of use are subject to change at any time and without notice.

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This privacy policy is subject to change without any notice.

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From time to time thinkingofsomeday.com may engage in affiliate marketing programs. Therefore, some of the posts or pages on thinkingofsomeday.com may contain affiliate links. If you click on an affiliate link, you will then be sent to a retailer site where you are given the opportunity to make a purchase or sign up for a program. If you make a purchase or sign up for a program we may make a commission. This is at no additional cost to you and helps to support the blog (thanks in advance!!). Affiliate links are included after content is written. We ONLY recommend products that we LIKE.

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We welcome and encourage comments on this site including constructive criticism and respectful disagreements. However, there are some instances where comments will be edited or deleted. These include comments that are deemed to be spam, include profanity, offensive language, and/or any comments that attack a person individually. We reserve the right to edit or delete any comments submitted to this blog without notice.

This comment policy is subject to change at any time.

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Through the use of this Site, you are hereby accepting the terms and conditions expressed within the aforementioned Privacy Policy. If you don’t agree with our terms and conditions, then you should refrain from further use of our Site. In addition, if you continue to use our Site following the posting of any updates or changes to our terms and conditions will mean that you are in agreement and acceptance of the changes.

Now that we’ve covered this laundry list of stuff… We hope you enjoy all that Thinking of Someday has to offer!

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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

I quit my job at the end of April and it’s been I quit my job at the end of April and it’s been great so far.
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Why did I quit?
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The TL; DR version is: It was a compromise between Omar and I when it came to having another baby. Some people might feel a way about this, but at the end of the day, our marriage  of 10 years and relationship of almost 20 years has survived off of lots of communication, compromise, and comprehension. This is how we have managed to do everything we’ve set out to do. And this phase of life is no different.
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If you want the full version of the story, you can check out my stories. 😉
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#piecesofsomeday #thislifeafterdebt
Some of the pics and excitement from our gender re Some of the pics and excitement from our gender reveal. Needless to say, this was an exciting moment to share with our boys and parents. 💖
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(#piecesofsomeday #thislifeafterdebt #babynumber3 #partyof5 #budgetbuster)
It’s a… gender reveal!! 🖤💙💖🖤

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(#piecesofsomeday #thislifeafterdebt #babynumber3 #partyof5 #budgetbuster)
🖤 🖤 + 🖤
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(#piecesofsomeday #thislifeafterdebt #babynumber3 #partyof5 #budgetbuster 😆)
As of 1/8/2022, it’s been one year since we beca As of 1/8/2022, it’s been one year since we became mortgage free. What better way to celebrate than a date night in our paid off home?! 😏
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So how does it feel?
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Financially, we invested the most money we've ever invested. We also increased our lifestyle a bit as well to keep a healthy balance.
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Kim’s Perspective: 
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It’s been great. For the longest it felt surreal and unbelievable that we actually did it. I never really worried about paying off the mortgage because I knew that worst case scenario, it would be paid off in 15 years, which would’ve been when we were 45 (and that’s not a bad age at all). However, it’s been nice to know that it’s not something that Omar is stressing over anymore. And since it was one of his biggest dreams/goals, it’s nice knowing that I was able to support him 100% of the way in making this happen for us and our family. I’m glad this is something he wanted to pursue and that I was actually on board with it. What I’ve enjoyed most about it is being able to spend more money (of course 😆) because a lot of things were put on hold while we focused on the payoff. So now I feel like I’m at that point where I can make our house more of a home for us. It literally feels like we’re in a new space (mentally and physically) and we’re loving it.
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Omar’s Perspective:
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This past year has probably been the best year I've had in life. I've been the least stressed I've ever been, but took on the most responsibility at work I've ever taken on which lead to a promotion and an increase in income. This boggles my mind as more responsibility at work usually means more stress. I feel like I’ve been able to focus on other areas of my life more (my health/weight as well as making more of an effort to maintain my relationships with friends/family). Most importantly, I realize the strength of my marriage.  With the state of dating/relationships these days, I realize I won the lottery with Kim.  She's an amazing wife and mother. We've always had a good relationship but we're stronger than ever.  We started from the bottom now we're here (in my Drake voice). 🎶 #thislifeafterdebt
After taking some time to think about what we want After taking some time to think about what we wanted to focus on for this year, we decided that our word for the year is health.
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Overall we both want to continue making healthier choices when it comes to eating. And we both want to focus on exercising more than we have in the past and be way more consistent with it.
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At the end of the day, what’s money, financial freedom/independence and wealth if you’re not healthy? And we definitely have high blood pressure, diabetes, etc that run in our families. We have kids to live for and that’s what we plan to do to the best of our ability!
This is what our financial goals ended up looking This is what our financial goals ended up looking like for this year. We’re pretty pleased with the outcome and the fact that we still enjoyed ourselves throughout the year and even made some pretty big purchases (like that whole couch saga I shared in my stories 😆). We’re looking forward to seeing what the next year holds! #thislifeafterdebt
We didn’t officially choose a word for 2021, but We didn’t officially choose a word for 2021, but if we had to say a word that was our word for this year it would be “intentional” by far.
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At the end of 2020 and beginning of 2021 we were very intentional about pulling money from an inherited IRA so that our tax bill wouldn’t be ridiculous like it would have been if we pulled a lump sum at one time. We then used the money to help pay off our mortgage 8 days into 2021.
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What we were even more  intentional about was our plan for what we were going to do with our mortgage payment once we didn’t have a mortgage anymore. We didn’t want to frivolously spend that money. So we actually came up with our plan a couple months before making our final payment. But literally after that payment on January 8, 2020, our new mortgage-free budget was in full effect! So yea, “intentional” is definitely a good word to sum up 2021 for us. #thislifeafterdebt
Some of the things we automate are:
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Our Budget:
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For the longest we use to type everything we were going to spend or save into our budget template. It wasn’t super time consuming but it wasn’t efficient when it came to our regular bills/expenses. Then one day we decided to prefill the template and copy and paste it month to month for our regular bills/expenses. All we have to do is add anything else we spend.
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Savings / Investing:
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Most of our savings/investing and even our gas and spending money our automated transfers. It beats having to go in and make multiple transfers to our personal accounts and our sinking funds. The 529 accounts for the kids and the Roth IRAs are automatically transferred. But for the brokerage account we have to manually transfer the money because it’s never the same amount each paycheck.
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Bill Pay:
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I’ve never been a fan of bill pay because I don’t like companies having that type of access to my money. 🥴 And whenever they mess up and charge you too much, they’ll try to just credit your account instead of putting the money back in your bank account. 🙄 However, I’m a tad bit more trusting these days. Lol. Our home alarm had no option but to be auto drafted. Since the amount wasn’t much and is always the same price, I agreed. And the only other bill auto drafted is our cell phone bill after many many years (gasp! haha). Some of the other bills are paid via online bill pay via our banking account. #thisfinancialconfession
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Doing all of this has been a game changer and time saver. Are you team automate or team manual?
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