There are many child-related issues that keep a parent awake at night. Just as the nappy stage ends the hunger strikes of a 3 year old, the guilt over him not getting his 5-a-day quota and the endless tantrums that are capable of waking sleeping beauty from her 100 year nap are the new phase of your parenting life. But actually, the one burning topic in the back of any parents’ head that is all too frequently ignored– writing a Will, and more importantly appointing a guardian.

According to the childhood bereavement network around 41,000 children in the UK were bereaved of a parent in 2015, that’s 112 newly bereaved children every day.

Most would admit that the thought of having to ‘choose a family member to look after my child in the event of my death’ is enough to make anyone want to hide under the pile of socks to be paired. And it seems they are not alone, more than half of the UK population are guilty of not having a will in place. With that being said, you potentially could unknowingly be putting your children at risk of lengthy court battles, family disputes and potentially even foster care.

The one thing that seems to be holding people back from making a will is the worry that it’ll set you back thousands, reality is that here at Babysteps Financial you can make a single Will for just £125.00, meaning that suddenly the thought of a will doesn’t seem quite so scary when you consider the chance element of who could hold the keys to your child’s future and a little one in turmoil.

In addition reviewing your life cover plans are an important consideration to ensure they meet your growing families needs. We strongly recommend life cover to protect mortgages, cover that protects you if you were to become sick and cover that would help with the upbringing costs of your children. We want to help you protect what you have worked so hard for given all circumstances.

Perhaps purchasing your first home is now a consideration for you, all of which we can assist with at Babysteps Financial.

All of our advisers are fully qualified Mortgage & Protection advisers as well as being experienced Will writers.

We ask that you ask yourself the following questions:

• How would your family manage financially in the event of income loss due to sickness or accident?
• How would you pay off your mortgage and household bills if the breadwinner died or suffered a serious illness?
• Would you need to reduce your working hours to look after your children if one of you passed away?
• What are your plans to pay for your children’s education?
• Have you made a Will to protect your loved ones?
• Who do you want to care for your children, in the event of your death?
• Do you want to buy your first home or move to a larger family home?

Is there potential to save money on utility services and insurance contracts?