Will writing

[MrsSthe3rd]

So, DH and I have been together for a very long time, yet we don't have a will.

There isn't a huge amount in savings or pensions to consider. I don't have any debts, but DH does. However, we have a mortgage and children.

What kinds of things would even go into a will?

I feel completely out of my depth and get very panicked when thinking about these kinds of things. I have a ridiculous fear of death so struggling to address this each time it comes up. I'm already feeling breathless typing this out.

Help! And please be gentle.

Your will is all about what you want to happen to your assets if you die. You can also appoint a guardian to look after your children if both you and your husband should die. If you are unsure I suggest you consult a professional. I hear that mumblechum0 is very good. She has an advert on Mumsnet.

Was about to suggest you speak to mumblechum
She's lovely and really helpful
You will find her under Marlow Wills

Thanks very much for the recommendations prh47 and Hopping.

OP, making a will is obviously very important but it honestly isn't difficult.

All you need to think about are:

1. Who to appoint as executors (2 people who look after the financial side once you and your DH have both passed on)
2. Who to appoint as guardian (at least 1 person who would care for your children in the incredibly unlikely event that you both died before the youngest is 18).

I also ask about gifts of personal possessions or specific gifts of cash, and go over the Inheritance Tax thresholds and advice as necessary.

Appointments only take half an hour and can take place over the phone, during the day or early evening. Feel free to PM me if you need more info.

Thank you for the advice, recommendations and also to Mumble for coming on here.

I will contact you further, however the anxiety is halting me at the moment. Please do bare with me.

MrsS, I've just posted on another thread that I can vouch for mumblechum0. She wrote my Will about a year ago. She emailed me and asked questions, then we spoke on the phone and then she sent a draft copy for me to approve. She's very friendly and professional. Everyone's frightened of death but having a Will put in place means that if anything happens to you, everything will be sorted for your loved ones.

Imperial (I don't know who you are in RL, as I purposely don't cross ref RL and MN names, but very much appreciate the recommendation!