We Have To Be Grown Ups – Help!

                                        

Ashley and I realised the other day we do not have Life Insurance or Wills !

I mean how crazy is that, we have 2 kids, we pay the obvious bills each month like our home insurance and car insurance to make sure we are covered day-to-day but we have let lax what would happen if something happened to us, its morbid I know, but I said to Ashley this is not acceptable, we have 2 young children who I am guessing if anything happened to us would automatically go to Ashley’s family (due to old-fashioned laws). Don’t get me wrong I love Ashley’s family but would they know how to care for my children as I want.

Grayson also obviously comes with his own complications, he shall need full-time care his entire life, it’s unlikely he will ever be able to live on his own and I worry about if anyone I know is strong enough to take on this task.

I am now hugely fearful, I know I have to sit down and decide what we are going to do, this is one of those horrible parenting jobs that no one talks about, but it is incredibly important, as much as changing nappies and picking the right schools.
But I just don’t know what we do, I mean I am 31, a grown up, a mummy but I have never had to do something so grown up, it’s the sort of thing I have always said is what your parents do, but I am the parent so I have to wise up.

So I am putting a shout out for help, we have little to no disposable income so I need to do this for a small amount as possible, but how do I go about getting a will ?
Especially when it handles the most important task in the world, caring for my precious babies ?

 

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Kara Janelle, Plus Size Blogging Mama. Vintage Lover, Interiors Obsessed, Chair Crazed, Collector of Much remembering to Smile as it is the 2nd best thing you can do with your mouth.

  • CGW

    I know exactly how you feel, we did ours a few months ago. Felt so grown up. And as much as we hated having to think about it all, it’s one thing off our minds now. Look into Will Aid, it’s a charity that works with solicitors that are local to you. Not sure if it’s only November you can do it in, but it’s worth a look xx

  • Hey lady. Oooh insurance, scary, i know a little bit about this. (not much though, my expertise is pensions)
    Your Will you need to do through a solicitor, they are fairly inexpensive to set up and you may qualify for legal aid. I will have a look when Im around later for reputable solicitors in your area.
    Life Insurance you can get where monthly payments depend on your sum insured. Have a look on the Aviva website & do yourself a quote, you can then play around to reduce your payments to what you want/need.
    If you need a hand tho drop me an email and i will have a play for you. xx