Part Two - The Practical Stuff
This whole experience has been a giant learning curve for me. I have discovered that in many ways I have been the modern equivalent of Betty Draper, the quintessential '60's housewife from Madmen.
I may be all "girl power" on the outside but turns out I have the financial skills of a goldfish on crack.
All of the boring things like paying the bills and managing the day today financial grind of running a house have somewhat wafted past me.
Don't get me wrong, I have always contributed financially, I just never really thought too much about what happened to the money after I deposited it in the joint account. I didn't need to, Martin was good at that stuff. In any partnership you assume your roles, it is just the way that it is.
I am and always have been pretty random when it comes to money matters. Maybe it's the creative in me, or maybe it's the fact that I dropped maths in fifth form and enrolled in drama instead. Which pretty much tells you everything you need to know about me vs fiscal responsibility.
But in the past seven weeks I have had to step up because if I didn't then I would currently be sitting in a freezing house wondering why nothing is coming out of the taps.
And because everything happened a lot faster than we had anticipated I have had to learn on the job. And employ detective skills that Hercule Poirot would be proud of in order to find out some pretty basic information. Not the least of which being "where exactly is our money invested because I remember signing some stuff but I have no idea where it is filed".
And yes, I know, ridiculous right? But after 21 years with someone you don't always pay full attention when they are mansplaining things to you after a couple of glasses of red wine (sorry M, I know I nodded sagely at the time but a lot of things flew right over my head)
So here a few pointers in case, heaven forbid, you ever find yourself in a similar situation.
Have a spreadsheet, list everyone that you pay, what dates those payments are made, what accounts they are coming out of and where possible have direct debits set up. And when you set them up make sure that they coming out of an account that will not be frozen whilst the bank wait for probate to come through. A process that can take months, so be prepared for that as well.
And I say these things from painful experience.
Two weeks after Martin died I received a letter from the bank listing fifteen Direct Debits and Credits that had been arbitrarily cancelled when they froze his personal accounts.
Which meant fifteen calls to various institutions and service providers saying the same exhausting, soul destroying things over and over again.
Which is the stuff that leads to afternoon whiskey drinking...
Also do not be in a hurry to deactivate their mobile or decommission their email. You will need to re-set a lot of passwords, new passwords are either sent by email or text message. You will need to be able to access these things. They can also give you information about the whereabouts of funds, unpaid bills and service providers that your partner may have just dealt with directly
And now for the really hard stuff
Whatever your situation, if you share your life with another human being then you need to discuss the following things. Ideally over a nice bottle of wine,somewhere beautiful where death feels like an abstract concept.
This is the part that we got right and I am beyond grateful that we did.
- Do you both have Wills? Do you both know what is in them? Do you know where are they physically located? Ideally you should have copies on file with your solicitor. So many friends and family have told me lately that they do not have a Will. I am very passionate about this one, If you have children it is a non-negotiable, and if you don't, it's still pretty much a non-negotiable.
- If the very worst happens, do you want medical personal to try and revive you, and yeah that one is really tough but in some circumstance your partner will be asked what your wishes are and that moment,when you are upside down and back to front and your world is falling apart is not the moment to be second guessing yourself because you don't know the answer
- Organ donation - yes or no? Obviously this information is on your driving license but it's much better to have a heads up rather than finding out at the worst possible time that your partner has promised their body for medical experiments.
- Burial vs cremation?
- Religious or non-religious ceremony? If either of you are religious then you probably have a church already. If going for a secular ceremony is there a particular venue that you have a connection to?
- What music would you like to have played? Make your playlists together. And update them whenever the mood takes you. I know it sounds morbid and confronting but actually that part can be rather fun. You will be surprised at the passionate musical debates that can ensue. As in "seriously, Toto???" And if your partner fancies going out to the strains of "Africa" may I humbly suggest that you consider rethinking your relationship, same goes for anything by James Blunt. That may even be grounds for a quickie divorce.
- Hymns or no hymns? Personally speaking any kind of forced communal singing gives me flashbacks to a room smelling of cabbage filled with kids slowly sucking the life out of "Jerusalem" and "All things Bright and Beautiful" (St Denys school hall circa 1972). I swear that God must have had his ear plugs in every morning at 8.00am UK Standard time. But hey, some people really love a good hymn or two, just like Karaoke only (relatively) sober.
To able to answer those questions without hesitation, when they are being asked by people that you do not know, because they HAVE to know, is empowering.
You cannot control what is happening or has happened to your person, or what is happening to you, but being able to say "I know that this is what they would want" takes away a lot of self doubt and pain. It also shuts down any dissent immediately, believe me, noone is going to argue with that sentence.
If they do then they are just being an arse and you have my permission to tell them so...kindly and lovingly of course.