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Have You Made a Will?

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I made my first one at age 36/37 and it is wise to do one even when young or your children may be raised by someone you would not choose yourself.

I didn't want to create a new topic for this but cannot find the previous topic (different subject) where it was discussed.

I wanted TheChimp especially to see this as free wills are available this month.

Please remember that you may be causing a whole lot of heartache for your loved ones if you don't leave a will. In my job as a Registrar I saw families torn apart and surviving partners tossed out of the family home when blood relatives crawled out of the woodwork. Please do it everyone, life is unpredictable, especially now.

https://rnli.org/support-us/give-money/leave-a-gift-in-your-will/free-wills-month?inf_contact_key=92ff272182e61ecc58b07c6c38d2238b1b0a3f0fd3ee5d9b43fb34c6613498d7

Lynibis
24 days ago
What do you think of this?
Imnotcheap
Imnotcheap24 days ago

I don't have a will but don't really have anything to leave so not a problem

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Lynibis
Lynibis
Original Poster
24 days ago

Do you have children? Works pension/death in duty? Any special jewellery or sentimental pieces? A car etc. If you don't mind who gets them that is fine but if you have anything at all it can cause problems.

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Imnotcheap
Imnotcheap24 days ago

I have kids but no pension/ death in duty as not working no expensive jewellery and the family car is in my partner name@Lynibis

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Lynibis
Lynibis
Original Poster
24 days ago

Imnotcheap I won't keep on at you lol but just keep in mind that if you and your partner died together (car accident etc) your kids may be raised by someone you would not choose yourself. All three of my sisters placed their kids in my care but now all grown so not a problem.

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davidstockport
davidstockport24 days ago

Lynibis You may try to state in a will who you would like to take care of your children, but they are not under any obligation to do so.

It's better in my opinion if arrangements for care of children is left in "A letter of wishes" Which although not a legal document, should be kept with will, and in many ways preferable for certain arrangements.

https://www.thegazette.co.uk/wills-and-probate/content/103504

In days gone by - God Parents were virtually the automatic choice. (They made certain promises at christening)

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Lynibis
Lynibis
Original Poster
24 days ago

davidstockport Yes you are right, they may not want the responsibility, that is why it is wise to ask them before you make the will, as my sister did. My younger son has asked his older brother to take on his son in those circumstances and he is more than happy to do so.

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GSM
GSM24 days ago

Thanks for sharing, this is in my to do list as I am not married and have a toddler. As you said even if you don't have a lot it is worth doing it just for the children. Don't think this one will be free for me but will have a look somewhere else.

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davidstockport
davidstockport24 days ago

It is free for everyone but they do suggest a minimum of £100 is left to a charity in the will (although it isn't compulsory). I heard that on a TV programme very recently.

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Johnny
Johnny24 days ago

Here’s a bit more info about Free Wills Month

Free Wills Month (England and Wales) runs twice a year, usually in March and October.

Free Wills Month brings together a group of well-respected charities to offer members of the public aged 55 and over the opportunity to have their simple Wills written or updated free of charge by using participating solicitors in locations across England, Northern Ireland and Wales.

Just be aware that the charity might expect or encourage you to make a donation, and/or to leave a gift in your Will to the charity.

A good cheap alternative if you are under 55, and if your affairs aren't complicated is to use a WH Smith Will Pack (Price £22.99) See:

https://www.whsmith.co.uk/products/lawpack-last-will-and-testament-kit/9781910143834.html

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You may also find this free pdf guide Practical advice about making

and updating your will useful:

https://www.ageuk.org.uk/globalassets/age-uk/documents/information-guides/ageukig31_wills_and_estate_planning_inf.pdf

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Pjran
Pjran24 days ago

I’m more concerned about who will pay for the funeral before my kids get their share of my estate. Is it sensible to give them some money now to access once I die? After all funerals are ridiculously expensive even though I would like my body just to go to the crem and a gathering to share a drink or meal for all friends and family.

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Lynibis
Lynibis
Original Poster
24 days ago

If you have an estate then morally and legally the cost of the funeral comes out of it, or relatives get lumbered. In real need there is provision for state funerals but only after all other avenues are explored.

Alternatively you could leave your body to anatomical research and they are allowed to keep it for (last time I was involved) about 2 years. They then return the body and pay for a basic funeral.

Only you know your kids but personally I wouldn't give them funeral money before you've kicked the proverbial.....far too tempting. Just put away in an account.

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Pjran
Pjran23 days ago

Lynibis trouble is it can take a very long time sorting the estate ect I’m concerned that the kids will have to take out a loan to pay.

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Lynibis
Lynibis
Original Poster
23 days ago

Pjran that's why you need a will! Funeral directors are usually very good when it comes to being paid and they will help all they can.

PS If you can afford to give them money now, why not just pre-pay for your funeral, usually it will be inflation proof.

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Pjran
Pjran23 days ago

Lynibis I do have a will and have helped with buying their homes.

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Johnny
Johnny23 days ago

Pjran I suggest you think about taking out a funeral plan. You can get an idea of costs here:

https://www.coop.co.uk/funeralcare/funeral-plans

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Pjran
Pjran23 days ago

Johnny thank you. It’s one of those jobs that you can always put on the back burner. I was an executor to a lady who took out a funeral plan but they said I had to pay an extra £500 so I’m afraid I don’t have much faith in funeral plans since that happened!

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Ann1984
Ann198424 days ago

Myself and other half are writing one in new year we both already have life insurance. We also going to pre pay a funeral we don’t wont anything fancy after all we won’t be their anyway. Plus I don’t agree where people have these big wakes for people to get drunk nice cream cake and tea at the family home be more then enough

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Lynibis
Lynibis
Original Poster
23 days ago

I am not sure how I feel about wakes Ann. Part of me wants it to be sombre and show respect for my passing but another part would like to think they would all have a good time and remember me for it!

I like the idea of a small gathering at home but with maybe a good stiff drink to start the proceedings.

I do know that I will choose the music and order of service lol.

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Ann1984
Ann198423 days ago

Lynibis it’s just something my family have done for years. So I would like kids or oh to follow. I find it more respectful then someone having a punch up at end. I don’t wont them to waste money on big party

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Moonstone22
Moonstone2223 days ago

I haven't made a will yet. My family is superstitious and think it is bad luck

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Lynibis
Lynibis
Original Poster
23 days ago

They will know all about bad luck if you die intestate and they have to go through months and months of probate. I tend to think the opposite, it is rather silly to think you will die because you've made a will....when your number is up it is up!

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SarahBenne67061
SarahBenne6706123 days ago

I’m 25 and I have a will... when I bought my house, I wanted to make sure that the house and my money went where I wanted it to - mostly to charity as my parents certainly dont need financial help and I don’t have any kids yet

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Lynibis
Lynibis
Original Poster
23 days ago

Just remember to update if/when you have kids. Don't want them going to charity lol.

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eyeballkerry
eyeballkerry23 days ago

I made a Will soon after having my children, funny though, when we asked family to look after our children if anything happened to us they didn’t want to. By the way nothing wrong with children but we do have four. Luckily all grown up now and don’t need looking after.

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Lynibis
Lynibis
Original Poster
23 days ago

Well I wouldn't want to take on 4 either lol😂

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