Sort of debt-free but hope to be a super-scrimper in 2019

Karmacat

CBC, something on the last page sparked something for me, about sending the books overseas - the town my mum used to live in had a church that sponsored a single village in ... don't know, Kenya or somewhere. People were very willing to support that village in all sorts of ways because they knew there were no corrupt middlemen in the way, every penny went to the village in one form or another - school pencils, shoes, piping for water, whatever. Maybe stay on the lookout for a similar locally run scheme? I know its a long shot, sorry, its the only thing I can rhink of.

beanielou

Just to say I have made a will while having debt.
It was very imperant to me that everything went to my DS & not my ex DH.
When I made the first will I was unaware that having a seperation agreement meant my ex DH would not get anything anyway. (At that point we were not divorced.
So everything was left to my DS without mention of any debt.
If I die tomorrow DS gets my house and as there is no capital as such the debts do not 'belong' to him.
The house becomes his & the outstanding mortgage would have to be covered by him in the couple of years that remain.
Not sure if this helps or not!

HairyHandofDartmoor

My suggestion with regard to some of your books is that the National Trust often have second hand bookshops on their properties and the local ones here have often have signs requesting book donations.

I'm not sure if you have any NT properties near to you, but protecting our heritage is a good cause and it could be a good home for some of your books .

Moneywhizz

Just to confirm that debt will not be disclosed in a will. It is normal that debts remaining at the time of death are paid by the estate but you do not have to discuss with the person making your will whether or not you have debts. If you don't have much in the way of assets you might want to consider a do it yourself will. There really isn't any need to pay for a lawyer if your situation is quite simple. You can buy Will packs online or from W H Smith, it is worth looking into. While you are saving for your next car I would definitely set aside a small amount for spending money and keep it in cash. When it's gone it's gone till next payday. No danger of you getting carried away then.

beanielou

I would go to a lawyer but that is just me.

Also have you considered Power of Attorney?
Both financial & health?

[Deleted User]

Karmacat wrote: »

CBC, something on the last page sparked something for me, about sending the books overseas - the town my mum used to live in had a church that sponsored a single village in ... don't know, Kenya or somewhere. People were very willing to support that village in all sorts of ways because they knew there were no corrupt middlemen in the way, every penny went to the village in one form or another - school pencils, shoes, piping for water, whatever. Maybe stay on the lookout for a similar locally run scheme? I know its a long shot, sorry, its the only thing I can rhink of.

Thank you, that's a lovely idea:T.. I'll see what I can discover.


A teacher friend (sadly now deceased) used to spend a month of her summer holiday every year helping at an orphanage run by her friend in Africa somewhere. She used to spend all year trying to gather together small,useful items like writing materials, pretty things for the girls etc to take with her. She was once given some football strips by her local lower-division team and the boys at the orphanage absolutely loved them. The names on the shirts meant nothing to them, of course, and they asked if she could take some next time with 'Beckham' on the back:rotfl:. It made her smile because the village was so isolated, electricity provided by a generator for a few hours a day and very limited TV. They all seemed to know who David Beckham was though.:rotfl:

[Deleted User]

HairyHandofDartmoor wrote: »

My suggestion with regard to some of your books is that the National Trust often have second hand bookshops on their properties and the local ones here have often have signs requesting book donations.

I'm not sure if you have any NT properties near to you, but protecting our heritage is a good cause and it could be a good home for some of your books .

Thanks for the suggestion, HH:T. It's a lovely idea to support something as valuable as the National Trust. We don't have a NT property within about 30 miles and the last time we were there I didn't see any second hand books on sale. I'll definitely make enquiries though. Thank you x

[Deleted User]

Thank you, beanielou and Moneywhizz for taking the time to give advice on wills:T. You've cleared up a lot of concerns and set my mind at rest on various issues:j. I've no excuse now for putting it off any longer.


I tend to agree with beanielou that a lawyer would be preferable. I don't think it costs all that much and as I understand it they also store the will for safe keeping.


I'll make some enquiries:). Thanks again.

[Deleted User]

beanielou wrote: »

Also have you considered Power of Attorney?
Both financial & health?

Sorry, beanielou, but I'm not sure why I'd need to do this:o. Isn't it exorbitantly expensive?

Sayschezza

And just to add my two pennyworth, would your library have any use for some of the books. They have to buy in so may be glad of a few donations.