“Chains of habit are too light to be felt until they are too heavy to be broken.” -Warren Buffett

Mortgage free in our 30s!

We finished 2020 with a huge moment for our family and it passed without any fanfare.  We paid off and discharged our mortgage!  It's unreal to think about the fact that we now officially have zero debt.  

Often our zero debt declaration has been accompanied by, "except our mortgage" which is seen as "good" debt and almost inevitable if you want to pursue home ownership.  But now, it's just full stop.  Zero debt.

Talking about money with kids


What are your thoughts on talking about money with kids?  Do you ignore the subject?  Are they involved in budgeting, saving, spending?  Do you wish your parents had shared more or less about money?  

We are generally pretty open about most subjects with our kids, and have tried many approaches including chore charts, weekly allowances, and so on.  I shared a bit about our favourite app to help with this earlier on and how that simplified chores, spending money and teaching to save.

New Year Reflections

I hardly know where to start in reflecting back on 2021.  We couldn't have predicted the way last year would play out.  I was joking the other day that I remember when we thought March break would only be one week and how ridiculous that sounds looking back.  While there have been many jokes about the
dumpster fire of a year we had, there was so much good in our world amidst the chaos.

We made some major changes as a family.  In October, Justin left his 15-year career in favour of owning a small business, Molten Creations Inc..  This has been a dream of his since before I knew him!  We also celebrated ending 2020 with discharging our mortgage!!  I can hardly believe, still in our 30s, hubby owning his own small business and me continuing on part time have been able to discharge our mortgage.