epicaricacy
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Hi Emily
I understand the stress that continued uncertainty - and the feeling of being trapped by circumstance - can cause. It's very difficult to quantify, but it eats away at us. It becomes like a third, hostile and unwelcome party in a marriage.
The IMHO - who have an agreement with AIB / EBS and who work in tandem with Grant Thornton - will probably ask you to fill out a Standard Financial Statement, which can be quite daunting at first, but is actually manageable. The whole process, if you decide to go with the voluntary sale / informal lump sum payment scenario (if it doesn't adversely effect your credit history) will, of course, be difficult - but at least there will be an end in sight. To paraphrase Nietzsche '......If one has a why to live for then the how of living becomes more bearable' - in your case the certainty at the finish should more than compensate for the stress involved in the process. The current situation - whereby you're paying towards a mortgage for a house you don't reside in while attempting to start a family on your current salary is not sustainable.
I understand the stress that continued uncertainty - and the feeling of being trapped by circumstance - can cause. It's very difficult to quantify, but it eats away at us. It becomes like a third, hostile and unwelcome party in a marriage.
The IMHO - who have an agreement with AIB / EBS and who work in tandem with Grant Thornton - will probably ask you to fill out a Standard Financial Statement, which can be quite daunting at first, but is actually manageable. The whole process, if you decide to go with the voluntary sale / informal lump sum payment scenario (if it doesn't adversely effect your credit history) will, of course, be difficult - but at least there will be an end in sight. To paraphrase Nietzsche '......If one has a why to live for then the how of living becomes more bearable' - in your case the certainty at the finish should more than compensate for the stress involved in the process. The current situation - whereby you're paying towards a mortgage for a house you don't reside in while attempting to start a family on your current salary is not sustainable.
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