April’s 2014 BR Club

Saltysea99

Hi, I'm finally going for it and will be declaring BR Tuesday 15th April, so next week.

I have been reading this forum every day and want to thank everyone for the advice, I'd have been lost without it. I feel really nervous but also as if there is a light at the end of the tunnel.

My main reason for BR is because I have a mortgage shortfall that I just cannot pay.

The sad thing is that I have to close my business, which I saved for years to set up and have been running fairly okay for the past 5 years, but needs must, and I'm hoping perhaps one day I can set it up again, although I'm not too sure?

One question I have, I don't have any earned income, and my only income is what my husband pays towards the bills (not much as he's self employed) and my student finance, as I am a full time student. Will the OR be seeking an IPA from my student finance?


So please add me to the April BR club and I shall let everyone know how it goes.

mill1980

Due to get word back within 5 to 7 days ish from the AIB (Scotland) and hopefully I will join the april club!

egrescrimp

Saltysea99 wrote: »

Hi, I'm finally going for it and will be declaring BR Tuesday 15th April, so next week.

I have been reading this forum every day and want to thank everyone for the advice, I'd have been lost without it. I feel really nervous but also as if there is a light at the end of the tunnel.

My main reason for BR is because I have a mortgage shortfall that I just cannot pay.

The sad thing is that I have to close my business, which I saved for years to set up and have been running fairly okay for the past 5 years, but needs must, and I'm hoping perhaps one day I can set it up again, although I'm not too sure?

One question I have, I don't have any earned income, and my only income is what my husband pays towards the bills (not much as he's self employed) and my student finance, as I am a full time student. Will the OR be seeking an IPA from my student finance?


So please add me to the April BR club and I shall let everyone know how it goes.

Are you a sole trader or is it a limited company or something else?

IF

Saltysea99 wrote: »

Hi, I'm finally going for it and will be declaring BR Tuesday 15th April, so next week.

I have been reading this forum every day and want to thank everyone for the advice, I'd have been lost without it. I feel really nervous but also as if there is a light at the end of the tunnel.

My main reason for BR is because I have a mortgage shortfall that I just cannot pay.

The sad thing is that I have to close my business, which I saved for years to set up and have been running fairly okay for the past 5 years, but needs must, and I'm hoping perhaps one day I can set it up again, although I'm not too sure?

One question I have, I don't have any earned income, and my only income is what my husband pays towards the bills (not much as he's self employed) and my student finance, as I am a full time student. Will the OR be seeking an IPA from my student finance?


So please add me to the April BR club and I shall let everyone know how it goes.

Hi Saltysea99 and welcome to April's BR Club, I've added you to post one :beer:
Any questions please do ask on the main BR board for more replies and support.

Do let us know how you get on.

Best wishes
IF

IF

mill1980 wrote: »

Due to get word back within 5 to 7 days ish from the AIB (Scotland) and hopefully I will join the april club!

Fingers crossed you hear soon mill1980 and I'll add your name to post one :beer:

Best wishes
IF

IF

Bump..........:staradmin

Edenfamily2014

Hi ,

We hopefully will be free this month
Appointment booked for 22nd of April

I cant actually wait, I have been in debt my entire adult life

IF

Edenfamily2014 wrote: »

Hi ,

We hopefully will be free this month
Appointment booked for 22nd of April

I cant actually wait, I have been in debt my entire adult life

Hiya and welcome Edenfamily2014 to April's BR Club, I've added you to point one.

Sounds like it's time for change and will be thinking of you all on the 22nd.

Best wishes
IF

Edenfamily2014

Thank you
Yes we are so ready !
We have made so many mistakes up until now where we have robbed peter to pay paul and missed payments to important bills

Now we have been working hard and we get so much satisfaction from paying bills on time or even early !!

Saltysea99

egrescrimp wrote: »

Are you a sole trader or is it a limited company or something else?

Hi egrescrimp,
I'm a limited company