Kate & Emily

This article has been written for us by Sarah Budibent, a solicitor specialising in probate law.

Making a Will does not sound like fun, so it can easily end up being another job to put off for another day, like filling in your tax return and checking up on your pension.

Yet, most people would say that what happens to their family or their property after their death is hugely important to them and, without a Will, decisions about who will inherit and how much will be made according to fixed rules of law. The result may be far from what they would have wished or intended.

If you make a Will, you can decide exactly what you want done with your property after your death; you appoint personal representatives to carry out your wishes and guardians for your children; you can express wishes about the disposal of your body and you may also be able to save your beneficiaries from paying unnecessary tax.

I'm Lizzy Tomlin and have over 10 years experience in the recruitment industry. I've written some guidlelines below to help you revise your CV and see ways of making it into something that sells you, and does you justice. Read on.... Returning back to work after a break is a daunting experience. I know my worries were: will I still look trendy? Will I understand the office talk, what will the workplace look like? will I understand all the new technology and will my colleagues take me seriously? I, like many, suffered from a total lack in confidence.

Even though you may not have had that much to do with running the money side of a household before, managing your money is not rocket science. Believe me, getting to grips with your finances can not only be fun, it is also immensely rewarding to see the pounds go further. But, absolutely best of all, it can give you back some feeling of control and security and really help with moving on.

This is the uber-tip to end all uber-tips:

Please, please before you do anything else I implore you to do the following

Get each of your bills in front of you.

I know it is very fashionable to keep changing provider but an easier way around is to … contact every single provider you use from your mobile to your gas supplier and put the following to them:

“I am reviewing all my providers before I decide what to do and I’m looking at the way I use your service, what is the best tariff that you can offer me and what can you offer me to reduce my bill?

This is a shortish list, but it's a starting poinnwith the aim of helping you to opn your mind to options that you might not have ever considered.  One thought might trigger another and before you knowit your new vocation in life is revealed to you....  It could be to...

Sell your clothes. On e-bay a piece of women’s clothing sells every 7 seconds. So go through yours and flog the lot on e-bay. This will be a win win win, not only will you be de-cluttered but richer