Got children under 18? Unless you state who should look after them if anything happens to you, the courts will.

You can also say exactly who should get what, which might prevent everyone fighting over your stuff after you’ve gone.

Speaking of stuff, you don’t need to know where all the paperwork is for all your accounts, property and savings – just a brief note for each e.g. ‘Nationwide Saving Account’, will really help you loved ones know where to look when they’re tying up all the loose ends.