Separated, but Still Married? It’s Time to Write Your Will 0

Wedding rings on a log

Recently separated? It’s time to make your will!

Not because your ex is lurking around the corner with a knife, waiting to knock you off (although, who knows?)

But there are very good reasons to write a new will now, and make your wishes official. Let’s take a look.

 

What does separating mean for your estate? 

Nothing. Not-a-thing. Zip. And that’s actually the issue.

If you died now, before your divorce, everything would be treated in the exact same way as if you were still happily married.

Have a will that leaves everything to your ex-partner? That’s still valid. They will still get that money (and your property, and your belongings). Even if you’ve already moved out and moved on. Whether or not they will make a bonfire of your things and dance around it naked is up to them.

Haven’t even made a will yet? Your spouse is still entitled to the lion’s share. If you don’t have children, they will get everything. If you do, they will still get up to £250,000 of your estate, half of what’s left over (if anything), and all your belongings. Including any beloved family heirlooms.

So, dying without making a new will now, can mean that all of your estate will go to your ex-partner. Even if the two of you are splitting up on the friendliest of terms, it’s not ideal – especially if you’ve met someone new.

 

Isn’t it a waste of time and money to make a will now (you ask)?

Not at all. It’s easy enough to make a simple will now on Beyond, and update it after the divorce comes through. And it costs just £90.

With Beyond, you can write your will online, print it off and get it signed in as little as 30 minutes. No hassle, no trip to the solicitor’s office required. 

After that, you can log back in and update your will anytime. Unlimited updates are free for the first year and £10 a year after that.

 

And, of course, there are other reasons to make a will…

Let’s face it: you knew you had to make a will some time. It’s the responsible thing to do. And, at the risk of sounding like your mum, there’s no better time than the present.

Remember, a will is the only way to:

  • Leave your money, property and belongings to the people you choose 
  • Protect your children, parents and new partner (if you’re there yet)
  • Leave presents for friends who have supported you
  • Avoid a (potentially nightmarish) inheritance tax bill
  • Prevent nasty family spats
  • Change the world for the better with a charitable gift

 

Ready to make your will? Step this way

At Beyond, it costs just £90 to make a will from the comfort of your own sofa. 

Every will is checked by our in-house experts, who are on hand to answer your questions every step of the way. And it takes less time than reheating a frozen pizza. You can even do both at the same time

So, why wait? Click here to make your will today.

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How to Plan a Funeral For a Football Fan 0

football fan funeral

As personal funeral services become more common and people begin to step away from the traditional black dress, hearse and hymns approach that we’ve come to associate with funerals, it’s interesting to look at how hobbies, interests and passions have become more of a focal point. A perfect example of this phenomenon is football.

 

Football is a sport that plays a major role in many people’s lives across the country, so it’s only natural that some families choose to incorporate a football theme into a loved one’s funeral service. Here we take a look at how to plan a funeral for a football fan and what you can to do to make it a really special occasion.

 

Wake at a stadium

More and more football clubs are beginning to offer their hospitality facilities to fans for use as a wake and memorial service venue. Many offer a catered service where friends, family and well-wishers can gather together to celebrate the life of a loved one in a meaningful space. Though this is by no means an exhaustive list, clubs such as Brighton and Hove Albion, Everton Football Club and Norwich City Football Club, all have spaces to hire for this purpose. If you want to remember the deceased somewhere they enjoyed visiting, there could be no better place than their own club’s ground.

 

Match day programme

It’s usually possible to contact those in charge of producing your local club’s match day programme to see if they’re able to dedicate a little space to the memory of the deceased. Often, they’re able to edit in a short message, include a photograph or even print a submitted piece of writing that details the important connection the deceased had with their club. It’s also possible that they’ll be able to suggest alternative ways you can honour their memory or put you in touch with other management figures at the club.

 how to plan a funeral for a football fan

 

Transport and flowers

One of the more usual ways of personalising a funeral is by hiring different types of vehicle to transport the casket to the service. There are an enormous number of companies offering such a service, but Vintage Lorry Funerals stand out for their ability to provide bespoke funeral transport for a football fan. Though they theme their beautiful 1950 Leyland Beaver in a number of different ways, they often transport caskets backed by large football flower arrangements in the colours of a favourite team.

 

A memorial match

If the deceased loved to play football and was part of a five-a-side or full eleven-a-side football team, you may want to see if you can organise a match in honour of their memory. Even if it’s just friends and family, it’s a great way to remember the deceased and what they loved doing most. If you want to take it a step further, you could organise a fundraiser for a charity that was close to the deceased’s heart, arranging food and drinks for after the match and asking for donations.

How to Save for Retirement 0

save for retirement

There are a number of different ways to save for retirement and which option is best for you will largely depend on personal circumstance. However, most experts suggest a combination of saving techniques as the most sensible approach to take.

 

While straightforward savings accounts give you easier access to your funds in case of an emergency, pensions and investments can result in greater returns. It’s also important to think about the ways you can mitigate against rising costs and larger expenditures as you get older. Committing to a funeral plan is a great example of one way you can avoid paying out large amounts once you hit retirement. With this in mind we take a look at a few of the key ways you can save for retirement.

save for retirement

Straightforward savings

The simplest, though perhaps not always the best, way of saving for retirement is using a traditional savings account and ensuring you put a set amount of money away each month. There are a number of savings accounts to choose from, including ISAs, instant access ISAs, notice accounts and National Savings accounts, so do your research and work out what type of account is best for you. Make sure you think about how easily you want to be able to access your savings, how much interest you want to be earning and whether there are any additional features you require before signing up.

 

Investment

Though there’s always a little bit of risk involved in investing your savings, it can result in much larger returns on your money. If you have experience of the financial markets and feel comfortable making investment decisions on your own, there’s no need to look for outside help. However, if you feel you could benefit from some guidance, it may be best to talk to investment specialists. Though they will either charge a fee or take a percentage of your returns, it is probably a more secure way of investing your hard-earned cash.

 

Pensions

Pensions are an important mechanism for ensuring you have enough money to last you during retirement. Though everyone has a small state pension, most people pay into a private scheme that’s either operated by their employer or a private company. It’s worth noting that you have no obligation to pay into your employer’s pension scheme, and sometimes it is worth keeping your options open. There’s a wide range of pension schemes to choose between, so it’s worth taking the time and effort to explore your options before beginning your payments. Look for an established provider with an excellent reputation to ensure your money isn’t mishandled in any way.

 

Funeral Plan

Finally, it’s a good idea to look at ways you can minimise expenditure later in life to ensure your savings go further. One of the key ways of doing this is by looking into funeral plans. Though the benefits of such schemes vary depending on the company you go with, plans like the Beyond Open Plan tie the cost of your funeral to current price levels. This can mean enormous savings when you consider the fact that funeral costs are expected to rise to an astonishing £10,203 within the next 12 years, while the average funeral comes in at just £3,800 now. By ensuring you’re prepared and taking action now, you could make your savings stretch a lot further.