What information would you want your other half to have access to and understand how to log into should something happen to you. I’m asking because I do all the financial stuff.

[ihatethecold]

I am in the vulnerable group and I am scared that if I got this awful virus I may die.
I want to have some piece of mind that should the worse happen my dh will be able to get into the savings/ investments/ CC accounts/insurance etc

It’s always been a bugbear that I manage all of this and he would be buggered if he had to deal with it all.

I want to make a list just in case.

I work in retail and in the community 3 of our customers have died and one is critical at the moment so two weeks ago l changed all my passwords to the same apart from the ending and all my documents are together with our passports and things. I haven’t made a big deal of putting it together and chances are l will be fine.

Doing this massively changed my anxiety level and made me realise lm a little bit better off than l think.

Which bills go out regularly, where they go, how to log into accounts.

Eg electricity and gas, council tax, garden waste, phone and broadband, tv subscriptions.

For myself, I have saved this if it comes from the joint account but pay some from paypal like Netflix so if I died dp would lose her netflix profile and might end up with too many comedies and reality tv shows being suggested to her.

We have a shared spreadsheet of all our financial accounts (not logins), life insurance details etc.
As long as your DH has access to his own accounts for money until joint/sole accounts are sorted out, he shouldn't need direct access to them, he would just need to contact each institution and start the process. And vice versa of course if something were to happen to him.
We also have mirror wills and each have a copy of both.

Oh and to answer your question it’s just.

Bank accounts, life insurance, car insurance. Social media password.
I made a list of doctors names and medication my children have also.

All our car/home insurance, important documents are already together.

passwords are encrypted & handwritten in the safe.

He should have access to his own accounts (obviously), and all joint accounts.

He should not have access to any which are solely yours unless he holds power of attorney for you.

It's very sensible for you to think about this. We've been through a similar process because DH does most of our financial stuff and has a very complicated security system for password management.

I have a folder with all life ins / pension info and a notebook with all finance / Utilities/ online passwords etc. I deal with everything and he wouldn’t have a clue otherwise.

Woollyfoolly.

He wouldn't know who we have car/ life/house/insurance with or when renewals are up.

This has bugged me for years but he just doesn't listen or understand that he needs to know all this.

Yes, same here! I just forward the policy emails when new house/travel insurance is arranged. Even if he never reads them, he can search for them if needed. We don't get paper copies any more. We each sort our own car insurance and registration docs are stored in the safe.
Alternatively you could set up a joint email address on gmail or something and register all insurance etc on that email that you can both access.

Make a spreadsheet of some sort, computer or paper. What you've got, when renewals are due etc.

Don't put your passwords on it in plain text!

Do make sure he knows how to use them online including internet security like making sure antivirus is up to date etc, access the websites by typing in the url (or using bookmarks you've set up) not googling and clicking links.

Lasspass - 1 Master password which accesses an encripted vault with every single login. It has details such as renewal dates, notes and links to all related docs.

Thanks errol

I know to make passwords unrecognisable but obvious to him.
I think I’d feel safer doing it on paper and keeping it away from home files rather than on a laptop.

It’s more about remembering all the different subjects and areas that need to be covered.

I will start with the obvious ones like insurance (dogs, life, house, travel, cars) and mortgage, savings, kids ISA’s and CTF’s.

Then look at utilities.

Hmmm, what else?

Phone contract and how to pay credit card bills?

Paper with 'coded' passwords is probably easier than using a computer.

Passwords for email accounts and your router?

Thanks.

Catbatcat I have wondered about an online vault but what if it gets hacked?

I have wondered about an online vault but what if it gets hacked?

That's why we don't use one. They seem like a helluva target, and if you google eg 'security flaw password manager' you will find that some have known vulnerabilities.