To think making a Will is pointless if yoyu have no assets?

Yeah nobody wants that stuff it will end up in the garbage or at the op shop 😂 your kids don't care about your nik naks 😂

I think you're determined to be negative and say you have nothing of worth, despite so many people saying you may have.

Mid 40s isn't old enough where life can't change, but you seem very determined to say that your life will be exactly the same until you are no longer around.

Mid-40s I left my abusive ex when I thought I'd never get away
Mid-40s to now, my salary doubled
Mid-40s to now I met a partner so kind and caring I only thought men like him existed in dreams
Mid-40s to now my spine was diagnosed as broken, following an assault by my ex and I am now disabled and on daily morphine
Mid-40s to now I was diagnosed with PTSD
Mid-40s to now I learnt how much inner strength I have
Mid-40s to now I bought my ex-husband out of our family home to give my children security away from his threats

Life throws us curveballs constantly.
You could write a best selling book, get an inheritance, save a life, invent a cool gadget, change your career, become an influencer......Don't assume everything stays the same because it truly doesn't and you have to live with the good and the bad.

I hope life does improve in ways that you wish for so you truly feel you have a legacy to leave behind xx

I did mine during Wills Week. Large local solicitors help you write a Will for free. You just make a donation to local hospice. It can be as little or as much as you like. So you could get a Will for £1. It’s worth doing. They include things I hadn’t even thought about. For example, what if your children die before you?

Let me tell you what you're obviously desperate to hear

You do not have to have a will.
You have nothing of any value - financial or sentimental- to give away.
You don't want any fancy funeral so your kids, partner or Gvmt will cover the cost.
You will never come into money and your situation from mid-40s to death will not change for the better.
Your adult kids will fight over nothing and don't want your belongings after death.

Wills are obviously for people that have things that others may value. You have absolutely nothing.

There, is that what you wanted someone to say?

So youve already covered what would go in a will so why not just buy a cheap document or do it online. As long as it is witnessed then its legal.

You don't own anything? No clothes, books, ornaments, nothing?

In that case, I agree a will is probably not a priority.

If you do, in fact, own things, a will is a good idea.

Someone could put a totally unsuitable person in a will as you can choose whoever you want and the state would have to intervene or children could be placed with all sorts.

The state will decide anyway. Although they will take into account what a will says.

Do look into life insurance. Some places suggest prices starting at £3.50 a month, for lower amounts but would be enough to pay for a cheaper cremation and cover spouse expenses while they adjust.

You could consider getting life insurance (shop around for deals) and then you would have something you’d need to consider upon death. The life insurance would soften the financial blow for the remaining spouse. You don’t have to go mad. Even getting quotations for cover of about £50,000 to £100,000 would be interesting. My work death in service benefit of £100,000 costs my employer £10 a month.

@FunPartyIdeaslike I said my Mum died at 28 with nothing. She had nothing but dying intestate caused all sorts of problems. My Dad had to get legal help to sort out boring things. Like being able to stay in our council house.

The other thing to think about is it’s like you’re anticipating knowing when you’ll die or being a long way off. What happens if you die suddenly tomorrow?

IMHO all parents, regardless of wealth, assets and age of children, should have a will.

It will become a historical document. It’s important. It does matter. Even if you have nothing.

You can buy solicitor designed kits for the law of your area online for about £10. That expense and a bit of time to write is a good thing.

That’s how it usually works. You draw down (take out) a certain percentage, which is usually the money the investments have made, without touching much of the initial capital

Running to a board moderation for an 'abusive' message isn't the flex you think it is. You have suggested i'm lying (I'd much rather not report that, I'd rather keep it up so your lovely personality can shine through) and as usual with this style of poster ignored anything that doesn't fit for you.

Anyway to repeat what I said just in case it helps any genuine posters .

I didn't want any money. I wasn't after anything. Horrendous fees were accrued with nothing to do with me. Stuff can turn nasty after death and it can be hellish. So though you may think it will be fine you'd be doing your loved ones a massive favour if you can really clarify exactly what you want, whether there's a tenner and a paper clip or £10 million.

I won't be replying to anything else.

One could possibly suggest that some people went to try and goad responses from other posters.

Ridiculous.

I'm so sorry. It's hard enough grieving a loved one without added horrendousness x

My mum left a will but it still didn't stop the abuse I got. It's made me realise how important details are.

I thought I wouldn't need a will as I had nowt but now I need one just to bypass the inheritance rules.

It might be different if your kids have strong relationships but it's been eye opening what happens.

It seems OP just wants to pick a fight and I'm really unclear as to why. It's pretty insensitive when people are kind enough to give advice and in some cases share pretty painful experiences to see if it can help someone out.

No I know, I understood. It's great that that didn't cause any issues, obviously everyone involved was reasonable and in communication.
Sometimes it's not like that and sometimes people think it will be and after death it very much isn't. X