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I am about to embark on a project that will change my life. The purpose of the project is to bankrupt myself in Scotland. The project will take approximately 16 months from start to finish and this blog will take you along the road with me. Declaring yourself bankrupt is a very topical debate in… Read More »

A Tale of Two Cities

“It was the best of times, it was the worst of times.” When I look back on what has happened since the Spring of 2013 when I decided to bankrupt myself, the above phrase often comes to mind. In many ways it sums up the past 16 months. It’s also highly appropriate that the quote… Read More »

A Large Percentage

In the very near future I will be discharged from bankruptcy. As I’m sure you can appreciate it is a moment I have dreamt of for a long time. When the day comes I will be freed from the financial headlock in which I have spent the last number of years. I will also be… Read More »

Making Space for the Future

There are no shortage of people these days in the self-improvement industry. They offer all sorts of advice on how to improve your life and reconnect with your soul/ God/ Nature etc. They usually have a benign smile and a wise expression that knows what is right for you, even if you yourself are clueless… Read More »

A Kindred Spirit

I was recently introduced to a man whose opening line to me was that we are two of the bravest and wisest men in Ireland. When I asked him why he said that he knew my story and had been following the blog. He then told me that he too had left the country to… Read More »

Tempus Fugit

At the outset of the blog I envisaged that it would take me 16 months from start to finish to complete the process of bankrupting myself. This was broken down as 4 weeks to set myself up with a bank account, address etc, plus 3 months in Scotland to build your COMI and complete the… Read More »

Being Angry

I was on the receiving end of a lecture recently from a well-meaning friend. Apparently I should be angry with Ireland. I should be angry that I needed to leave my family, friends and country behind for 9 months to spend the time in Scotland in order to personally bankrupt myself. I should be angry… Read More »

The Blog

When I decided to start this blog I had no idea how it would evolve. Although I read a lot I had never written anything before. As a schoolboy I dreaded writing essays. (In the Ireland of my childhood these were called compositions but apparently they have evolved into essays, in the same way that… Read More »


On the August Bank Holiday weekend of 2013 a very good friend of mine got married. It was a beautiful day, I was amongst friends, the sun shone and we all had fun. I am reminded of it as the happy couple have recently celebrated their first anniversary and when I cast my mind back… Read More »

A Car

I have started to think about the things I intend to do when I am discharged from bankruptcy. It helps get me through periods of stress and it’s always good to have light at the end of the tunnel. As I have mentioned previously, a huge part of bankruptcy is simply counting down the days… Read More »

Holiday Time

“Everybody needs a break, climb a mountain or jump in a lake.” It’s holiday time again and a lot of people are following Christy’s advice and taking a well-deserved break from the everyday grind. They look forward to a week or two away from their paymasters and try to use the time to recharge the… Read More »