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Prosperous soul embraces creativity & mortgage neutrality

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  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    which podcasts are you listening to ? 
  • savingholmes
    savingholmes Posts: 28,974 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi El, Dancing and @Merlins_Beard

    I was listening to some on finding peace - and imagining a different future for yourself outside social norms... not sure how I feel about the latter.

    M Beck 

    She says when the caterpillar is 'fed up' it then forms its chrysalis - and then becomes goop - and the goop has imago cells that hold the image of the butterfly and they rearrange themselves to then become the butterfly that then fights its way out to a new future.

    She says the whole of life is transition - and that when we are going through transition we should follow our curiosity without expecting any payback and it will lead us where we need to go.

    The times when we feel worst is when we are formless goop - but that's when we are closest to our new form so we shouldn't fear it... 

    A few weeks ago I watched this and it really moved me - and continues to do so

    https://www.youtube.com/watch?v=CZJvBfoHDk0

    She says "You can't wait until life isn't hard any more before you decide to be happy... We are so much more than the bad things that happen to us."




    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £1.6K Net savings after CCs 14/8/25
    3) Mortgage neutral by 06/30 (AVC £25.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 31.1/£127.5K target 24.4% 15/8/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Humdinger1
    Humdinger1 Posts: 2,309 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Wonderful  @savingholmes! What a year and how brilliantly you've done and continue to do so! We are all cheering you on love Humdinger x 
  • beanielou
    beanielou Posts: 95,678 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I remember seeing that.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done on the 15lb weight loss, that's really good!
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • jwil
    jwil Posts: 22,025 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on the weight loss, 15lb over 12 weeks is a great result!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
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