»Hal­loween with­out the scary prices

YOU CAN PLAN YOUR HAL­LOWEEN BASH ON A BUD­GET WITH OUR FRIGHTENIN­GLY GOOD BAR­GAIN BUYS

Gloucestershire Echo - - NEWS -

WE’RE all go­ing to die. It may sound like a street preacher’s plac­ard, but it’s also a fact, and one that in our fi­nan­cial lives we need to ac­cept and plan for. Too few peo­ple do that and this can cre­ate night­mares for those left be­hind.

A will is a le­gal doc­u­ment that lets you set out what you want to hap­pen to your fi­nances and as­sets when you die. With­out one, your af­fairs can be in limbo for years.

This is es­pe­cially im­por­tant if you live with your part­ner but aren’t mar­ried or in a civil part­ner­ship as com­mon law rights don’t ex­ist. If you die, your part­ner may not get the house – even if you’ve been to­gether a long time.

Equally, if you are mar­ried and have chil­dren from a pre­vi­ous mar­riage – your kids may miss out, as it’s the in­tes­tacy laws that dic­tate how your money is dis­bursed. They de­pend on where you are in the UK, use the tool at gov.uk/ in­her­its-some­one-dies-with­out-will

Mak­ing a will can be costly, but right now, there are schemes that can help. Oc­to­ber is Free Wills month.

Sugar Skull, £9.99 TK Maxx Hang­ing ghost, £3.50, Sains­bury’s Trick or treat cat bas­ket, £5, Sains­bury’s Hal­loween crack­ers, £1, Pound­land Skull bal­loons (12 pack), £1, B&M Ceramic ghost tealight holder, £1, Pound­land Hon­ey­comb pump­kin dec­o­ra­tion, £1, Wilko Bat, £1, AsdaHappy Hal­loween bowls, (10) £1, Ge­orge at Asda Char­ac­ter nap­kins (20), £1, Mor­risons Reaper tomb­stone, £3, Tesco Hang­ing skele­ton, £3, Fly­ing Tiger Hal­loween pump­kin lantern, £1, Pound­land Trick or Treat pa­per cups (24), £1, Pound­land Mon­ster pa­per plates (8), £1, Wilko

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