Advice on writing a will as a mother

[blinkowl]

Been putting off writing a will for ages which is stupid, I know.

I'm with the father of my DC. We're not married. 2 DC.

I own the house, it's solely in my name and owned outright, no mortgage. I have relatively large debts. No savings.

If I died, DP would probably move want to back to his hometown with the DC I would imagine.

Is there any way I can leave the house (or the money from the house after debts) to the kids but for DP to be able to use it to buy a house for them all to live in?

Is this a reasonable thing to do? I'm conscious that if I died having left everything to DP and he marries someone, my money wouldn't be passed on to my DC. The only way I can prevent this is to leave it to them, right?

Also, what if we both died? If I write who I'd like to look after the DC in my will, does anyone pay any attention to that?

Thanks.

Also ours was written to include children not born at the stage the will was written.

We set a financial guardian separate to the guardians.

I need a will and I was going to buy a kit off Amazon. In fact I might just do that and get it signed. And also get onto Mumble to do it properly at a later date.

you can’t afford not to get this type of Will written professionally

We're alright for food but I barely have enough money to clothe us inadequately currently. No luxuries. (No TV package, very old car, no holidays etc)

While I understand the principle of getting a document that's more likely to actually work, I can't magic up money I don't have.

I might ba able to rustle up. £100 to £150 I guess but £500 as I just saw quoted online? If that's typical forget it, I just don't have it.

So the choice is a cheap will or none at all.

Mumblechum0 that's good to know for better times thank you

ours was written to include children not born at the stage the will was written

Very wise but no chance of any more babies over here, I'm definitely done with that malarky!

*adequately!

I’ve contacted Marlow Wills. Thanks for providing the kick oP.

Could you at least take out life insurance which would pay off the debts if you died?

Yes that's sound advice thanks.

So if I died with no will at all but life insurance, what would happen to the house? It'd go to the DC in name but they're kids. What would actually happen to it? Could they live in or would a sale be forced?

If you died without a Will your children’s guardian would deal with your estate on their behalf and hold it on trust for them until they are 18, they are obviously required to act in the children’s best interests so they may decide to continue living in the property if the debts can be settled by the life insurance, they may decide it’s in their best interest to sell and hold the proceeds in cash.

I don’t know exactly but I suspect if they wanted to sell and purchase another property they would have to get permission from the court, but I’ve never seen that situation personally.

I'd really consider adding another 1.5% to your debt to get a will done.

Presumably your debt repayments must be high and that's why money is so tight?
As you're mortgage free you can't have huge outgoings, but presumably household income is low?
Do you and DP both work or one/both not able due to illness/disability and/or childcare responsibilities?
Sorry for all the questions, I work for citizens advice and I can't help myself
Feel free to ignore me! I am just wondering if there is anything that could help your budget in the short/medium term so you could be more comfortable and also be able to afford the £300 for a will sooner rather than later.

Saw this offer on MSE, £59.50 (half price)
willsoffers.which.co.uk/rmlmar/