Wow, we can’t thank Jenny enough for this Testimonial…

Hi Maureen,

I just want to say the biggest and most heartfelt thank you for my literally life-changing four days at Breakthrough Retreats!

Finding the website, funds, and courage to fly over alone to get well and strong was the best thing I’ve ever done.

The combination of one-to-one therapy with Maureen, the daily walks / hikes with Fiona, the relaxing ‘me time’ of massage and reflexology, the sessions of BodyTalk with Finola and hypnotherapy with Jacqui, all made for a truly unique and incredible few days.

It’s so difficult pinpointing a favourite activity or experience, but I have to say the Bodytalk and hypnotherapy sessions I had have completely changed my outlook in the most amazing way. It wasn’t just the actual therapies, but more so the people I trusted with me, and the relationships built in such a short space of time.

Even without the various therapies, this sort of retreat would do anyone good just for the feeling of self-development, discovery, and being totally spoilt by Maureen’s wonderful company the entire trip! I couldn’t have been made to feel more looked after or special.

I felt completely at home at the Retreat Centre within my first few hours of arriving!

I tried not to have too many expectations before I arrived, and was very open to any treatments and experiences that would help me. All I had was excitement and anticipation! I’m so glad I did, because I was overwhelmed by the whole experience, and can say that a month after returning home to ‘normality’, I’m even stronger and my well being is still on the improve and flourishing.

There are no words big enough to thank all you ladies, especially Maureen, for helping me change my life. As cheesy as that sounds, the whole experience is completely priceless, I owe you all so much, and will always treasure every moment I spent at Breakthrough Retreats.

Can’t wait to see you all again very soon!

Jenny x

The UK must invest in mental health help

With the publication of the spending review on Wednesday (Report, 24 November), it’s imperative the government invests in psychological therapies. Failure to address mental health issues, including anxiety and depression, devastates lives, puts a huge strain on the government budget and undermines economic productivity. Psychological health problems have a worse impact on people’s happiness and life satisfaction than physical health problems. In financial terms, the cost of mental ill health in England has been estimated to be £105bn per year.

Fortunately, a number of evidence-based psychological therapies exist and are effective. Investment in psychological therapies to date has been a success, but it is a success that could be multiplied. The improving access to psychological therapies programme is only funded to reach “at least 15%” of the people who need it, and retention and recovery rates could be improved. Everyone with a need for psychological therapy should be able to access it within 28 days. We urge more research funding to show which therapies work best for which people. And we advocate training to ensure the NHS workforce can deliver in practice the full range of evidence-based therapies that it offers in theory. We believe this would go a long way towards improving the wellbeing of the nation and the state of the public finances.

Original article here.

Safeguarding Employees from Work-Place Stress

Employers and human resources managers are increasingly looking for new ways to improve staff occupational health and safety, to meet extensive national requirements.

UK’s most unique health retreat operator, Breakthrough Retreats, specialise in assisting employers to safeguard employees from illnesses and treat wellness as an ongoing preventative tool.

Maureen Courtney, founder of Breakthrough Retreats, says the value to the employer of sending staff to health retreats is immense, as the latest statistics show.

“It is estimated more than ten million working days are lost per year due to anxiety, stress and depression linked to work, and that work-related stress is the second largest occupational health problem after back pain in terms of numbers of workers affected.”

“The National Institute for Health and Clinical Excellence said the cost of work related mental illness was £28bn – a quarter of the UK’s total sick bill,” said Ms Courtney.

“Apart from the medical expenses, there is the cost of losing a key person in your organisation to poor health. The question remains, should people take second place to capital equipment and processes expenditure? The provision of preventive health and wellness care, when the first signs of stress appear, can benefit both employer and employee.”

Breakthrough Retreats have been operating for several years catering not only to the corporate sector but also individuals and groups.

“The Breakthrough Retreat approach to health is to offer clients a lifestyle change opportunity using techniques such as visualisations, bodywork, Neuro-linguistic program (NLP), hypnosis, family taboo and anger release work.“

“The combination of intellectual, emotional, physical and spiritual work provides an all-round and integrated approach to resolving many of life’s problems,” said Mrs Courtney.

“Workers are more relaxed and work efficiently when mind, body and soul are totally in sync. They are able to focus more effectively on the day-to-day demands of their jobs having rejuvenated, refreshed and recharged themselves.”

To live your life to the full, visit breakthrough-retreats.co.uk.

Veteran Psychotherapist publishes new guide to explore the impact of transpersonal psychotherapy

Veteran Psychotherapist, Hypnotherapist and Reiki Master Maureen Courtney of Breakthrough Retreats is seeking to raise awareness of the remarkable effectiveness of transpersonal psychotherapy for individuals suffering from any number of personal issues. In order to reach as many people as possible she is making her new guide available online for free.

As Maureen explains…

“All of us have things we’d like to change about ourselves, yet rather than tackle them head on, we simply find ways to cope with them and smother them with work and family. Although this may be easy, it will only exacerbate the problem in the long run. For those people motivated to make a positive change in their life (rather than those who simply refuse to acknowledge their problems), psychotherapy can be enormously helpful. Whether you’re suffering from stress, depression, anxiety or addiction, psychotherapy sessions will enable you to identify the true origin of your issues, recognise negative behaviours in yourself and develop the means to tackle them effectively.

“Unfortunately, however, despite its proven effectiveness, many people still struggle to fit weekly sessions into busy lives. For people in this position, a short personal development retreat is the perfect solution. Despite lasting only a matter of days, a retreat has the same impact of 3 or 4 years of psychotherapy. To raise awareness of these retreats I’ve decided to make my new guide, “Unlocking your full potential: An introduction to the incredible impact of personal development retreats” available for free online.

Anyone interested in a copy can order theirs at www.breakthrough-retreats.co.uk.

Veteran Psychotherapist publishes new guide to explain the transformative power of personal development retreats

Veteran Psychotherapist, Hypnotherapist and Reiki Master Maureen Courtney of Breakthrough Retreats has recently published a guide to introduce those dissatisfied with traditional therapy to the concept of personal development retreats and is making it available online for free.

As Maureen explains…

“Although currently weekly, one to one therapy sessions are the go-to solution for anyone struggling with depression, anxiety, addiction, abuse or other such problems, this way of approaching personal development has major flaws. Despite the fact that treatments such as psychotherapy and hypnotherapy have been proven to be extremely beneficial to individuals, weekly hour-long sessions can only go so far towards true personal change as the brevity of these sessions undermines their effectiveness. Rather than being able to reflect on what they have uncovered properly after each session, on leaving, individuals are immersed once more in their normal lives.

“In contrast, personal development retreats take people away from their day-to-day lives in order to allow them to focus exclusively on solving whatever problems they are dealing with. Able to benefit from a wide range of treatments as well as amazing scenery and good food during these retreats, the impact they can have is far beyond that of traditional weekly therapy sessions.

“Unfortunately, however, few people are aware that these retreats are available, let alone how effective they are, which is why I’ve written my new guide, “Unlocking your full potential” and made it available for free online. Anyone interested in a copy can order theirs at www.breakthrough-retreats.co.uk.”

Press Release: Refit at The Briers

Maureen Courtney, new proprietor of The Briers, and her team welcomed local Politicians and representatives from the Tourism, Business and Health sectors as well as therapists and activity facilitators, Pips, SRC and the I3 programme and other organisations concerned with the promotion of well-being and health in the community, as she launched the newly renovated Country guest house and the innovative Break through retreat centre.

Guests were treated to a tour of the newly refurbished bedrooms, disabled facilities and Annie’s Cottage’, self- catering for up to 7 people. Martyn Todd, Alliance Candidate for Westminster.

In her opening address Maureen thanked her team for their support and praised the builders, Joe Curran Contracts for the quality of workmanship that had transformed the premises to such a high standard. Maureen thanked everyone for the warm welcome she had received since relocating from Hertfordshire in England to realise her vision of creating this facility and looked forward to, becoming a part of and to making a positive contribution to The Mournes and County Down area.

Introducing Breakthrough Retreats, a concept new to Northern Ireland, and coming in the form of 1-7 days programmes for individuals or groups formulated by a team of experts in the field of Holistic and alternative therapy and activity specialists, Maureen invited anyone who would like to know more about The Briers and the Breakthrough Retreats’ services available, to contact Maureen for information or to view the facilities.

Email mocourtney@btinternet.com and visit our website www.breakthrough-retreats.co.uk or telephone 028 437 24347.

Is Depression a Sign of Weakness? Actually It’s the Opposite – You’re Too Strong

This month we take another look at Depression…

I am not talking about the Monday morning blues or feeling down for a short period of time, which, quite rightly, can be referred to as feeling depressed but the word in this context is really a verb. I am referring to the event that is called depression in the noun sense.

About two years after the train crash I was diagnosed with Post Traumatic Stress Disorder (PTSD), which, because it had gone so long untreated, I now have chronically, which in turn means I will never get rid of it altogether.

One of the many symptoms of PTSD is clinical depression. Deep depression. This type of depression I can only describe as being at the bottom of deep, dark, damp well. High above you can see the sunshine and even hear people cheerfully talking which represents the normal world you’ve suddenly dropped away from. The walls of the well are too steep to climb up nor do you have energy to attempt the effort. It is truly isolating and I find I can neither talk, move nor eat anything and episodes can stretch into weeks. These days it does not happen often to me but when it does it is soul destroying and I used to get annoyed that I could not snap myself out of it.

That was until I met and was treated by Dr Tim Cantopher, one of our most renowned consultant psychiatrist’s. It was through his ministrations that I came to realise that, though labelled a mental illness, depression is in reality a physical illness. And here is the science he explained;

When a part of our brain called the limbic system malfunctions it manifests as depression. Our limbic system is a complex system of nerve fibres configured like a computers circuit board controlling numerous systems around our body including our moods. It copes with our everyday life stresses very well but it does have a limit. When pushed beyond breaking point (usually, but not exclusively, by a traumatic event) it will effectively blow a fuse. This ‘fuse’ is our transmitter chemicals, seratonin and noradrenaline, and their levels drop rapidly when the circuit blows. Without the correct levels of these two chemicals the electrical impulses that our brains nerve fibres need also drop which in turn causes our ‘circuit board’ to abruptly stop working ie. depression.

Perhaps surprisingly to some Dr Cantopher also attests that depression is ‘The Curse of the Strong’. As he puts it “what happens if you put a whole lot of stresses on to someone who is weak, cynical or lazy? The answer is that they will immediately give up, so they will never get stressed enough to become ill. The strong person on the other hand reacts to stress by redoubling their efforts, pushing themselves way beyond the limits for which their body is designed. When they start getting the symptoms of depression they still keep going, with the inevitable result that eventually their limbic system gives way. If you put 18 amps through a 13 amp fuse there is only one possible result.”

The problem is that us ‘strong’ people have always overcome obstacles or hurdles in life by tackling them head on and putting every ounce of energy we have in getting past them. The very idea of giving in to our depression goes completely against the grain and we are not very good at taking the rest the condition demands. However, once you realise that it is a physical illness, no different to a bad case of flu, chicken pox or pneumonia, it is easier to allow yourself the rest needed and stop fighting it.

If you’re dealing with depression, seeking treatment for abuse or simply seeking advice on how to be at one with yourself and would like to learn more about how a health retreat can help, visit www.breakthrough-retreats.co.uk. There you’ll be able to claim your free copy of my new guide, “Unlocking your full potential: An introduction to the incredible impact of personal development retreats”, packed with information on everything from what a spiritual retreat looks like to the benefits of getting away from it all.

Original article here: http://www.huffingtonpost.co.uk/pam-warren/depression-sign-weakness_b_5416190.html

Depression

Depression is a common mental disorder that causes people to experience depressed mood, loss of interest or pleasure, feelings of guilt or low self-worth, disturbed sleep or appetite, low energy, and poor concentration. 

Depression is different from feeling down or sad. Unhappiness is something which everyone feels at one time or another, usually due to a particular cause. A person suffering from depression will experience intense emotions of anxiety, hopelessness, negativity and helplessness, and the feelings stay with them instead of going away.

Depression can happen to anyone. Many successful and famous people who seem to have everything going for them battle with this problem. Depression also affects people of every age.

Half of the people who have depression will only experience it once but for the other half it will happen again. The length of time that it takes to recover ranges from around six months to a year or more.

Living with depression is difficult for those who suffer from it and for their family, friends, and colleagues. It can be difficult to know if you are depressed and what you can do about it.

 

Signs and symptoms of depression

  • Tiredness and loss of energy.
  • Sadness that doesn’t go away.
  • Loss of self-confidence and self-esteem.
  • Difficulty concentrating.
  • Not being able to enjoy things that are usually pleasurable or interesting.
  • Feeling anxious all the time.
  • Avoiding other people, sometimes even your close friends.
  • Feelings of helplessness and hopelessness.
  • Sleeping problems – difficulties in getting off to sleep or waking up much earlier than usual.
  • Very strong feelings of guilt or worthlessness.
  • Finding it hard to function at work/college/school.
  • Loss of appetite.
  • Loss of sex drive and/or sexual problems.
  • Physical aches and pains.
  • Thinking about suicide and death.
  • Self-harm

What causes Depression?

Depression can happen suddenly as a result of physical illness, experiences dating back to childhood, unemployment, bereavement, family problems or other life-changing events.

Examples of chronic illnesses linked to depression include heart disease, back pain and cancer. Pituitary damage, a treatable condition which frequently follows head injuries, may also lead to depression.

Sometimes, there may be no clear reason for your depression but, whatever the original cause, identifying what may affect how you feel and the things that are likely to trigger depression is an important first step.

 

Types of depression

There are several types of depression, some of which are listed below.

 

Mild depression

Depression is described as mild when it has a limited negative effect on your daily life. For example, you may have difficulty concentrating at work or motivating yourself to do the things you normally enjoy.

 

Major depression

Major depression interferes with an individual’s daily life – with eating, sleeping and other everyday activities. Some people may experience only one episode but it is more common to experience several episodes in a lifetime. It can lead to hospital admission, if the person is so unwell they are at risk of harm to themselves.

 

Bi-polar disorder

The mood swings in bi-polar disorder can be extreme – from highs, where the individual feels extremely elated and indestructible, to lows, where they may experience complete despair, lethargy and suicidal feelings. Sometimes people have very severe symptoms where they cannot make sense of their world and do things that seem odd or illogical.

 

Post-natal depression

Many new mothers experience what are sometimes called ‘baby blues’ a few days after the birth. These feelings of anxiety and lack of confidence are very distressing but in most cases last only a couple of weeks. Post-natal depression is more intense and lasts longer. It can leave new mothers feeling completely overwhelmed, inadequate and unable to cope. They may have problems sleeping, panic attacks or an intense fear of dying.

They may also experience negative feelings towards their child. It affects one in ten mothers and usually begins two to three weeks after the birth.

 

Seasonal Affective Disorder (SAD)

SAD is associated with the start of winter and can last until spring when longer days bring more daylight. When it is mild, it is sometimes called ‘winter blues’. SAD can make the sufferer feel anxious, stressed and depressed. It may interfere with their moods and with their sleeping and eating patterns.

 

Taking control of your depression

Depression often makes you feel helpless. Taking action to make yourself feel more in control will have a positive effect, whether it’s going for treatment, joining a gym, going for daily walks, or doing something that you are interested in or good at. If you don’t feel up to starting something new or joining a local group on your own, ask a friend to come with you.

There are many things you can do to help manage your symptoms and a wide range of treatments, both medical and non-medical.

 

How you see yourself

The way you think about yourself will affect your frame of mind and feelings of depression. It is common to have feelings of worthlessness or guilt with depression. Try to be aware of any negative thoughts you have about yourself and how they might be affecting how you see yourself and how you feel. If you can, try to think about how realistic these thoughts are and how you might change them into something more positive.

 

Social networks

If you feel depressed it can be difficult to be sociable. Loneliness may make you feel worse, so it’s important to keep in touch with friends and family. Having people around you or groups that you are involved in will help to reduce feelings of isolation.

 

Worries about work, money or a legal situation

Making sure that you do not feel overwhelmed by your work responsibilities is important because it gives you a sense of being in control. It’s important to make time for yourself to do things you want to do or to be with friends and family.

If you’re struggling to cope with work pressures and you have access to an occupational health department, you can speak to them about how you are feeling. They may be able to help you to review your work commitments or address specific issues that are affecting your work.

Where possible, you should always try to keep working. This is because people with depression often find that having something meaningful to do and a reason to get up in the morning is very helpful. Being with work colleagues, having a routine to the day, and the sense of achievement in getting a job done are all good for your mental health.

 

Close relationships

Problems with close personal relationships can have a devastating effect on how you feel about yourself and the world.

 

Physical activity

There is good evidence that exercise can lift your mood because it can take your mind off your depression as well as stimulate the release of endorphins in the brain. Endorphins are neurotransmitters produced in the pituitary gland in the brain that produce feelings of happiness.

 

Diet

Some studies have suggested a link between what you eat and depression, but there isn’t enough conclusive evidence to say whether or not it can definitely make a difference. There is some evidence that foods that are rich in some essential fatty acids found in oily fish, like mackerel, salmon, herring, sardines, kippers and fresh tuna can help to relieve depression.

Whether there is a direct link or not, eating healthily will help you generally feel better and give you more energy, especially if you are also exercising.

 

Avoiding alcohol and drugs

Alcohol acts as a depressant on the brain. If you drink too much or too often, you are more likely to become depressed. If you are already suffering from depression, drinking alcohol can make you feel worse instead of better. With such a vicious circle it is best to drink moderately, if at all. Recreational drugs should also be avoided.

 

Managing anxiety

Around half of those people who experience depression will also experience anxiety. Taking steps to manage your anxiety can help give you the mental space to begin to deal with your depression. Talking about what is making you anxious, as well as a healthy diet and exercising, will all help you to control your anxiety. Some people, especially those with mild depression, find that relaxation techniques such as massage and yoga help them to manage their anxiety.

 

Complementary medicine

There is some evidence that St John’s Wort can help with mild to moderate depression. However, this drug is known to interact with other substances so you need to get advice from a pharmacist or other health professional before taking it.

 

Talking Therapies

Talking therapies such as cognitive behavioural therapy (CBT) and some forms of counselling and psychotherapy work well for depression. Always check that any private therapist is registered with a professional body.

There are several different kinds of talking therapy.

  • Counselling gives people the chance to talk through everyday issues that may be causing depression and to develop strategies for resolving them.
  • Cognitive therapy (sometimes called cognitive behavioural therapy or CBT) addresses the way you think and how this can cause depression. It teaches you skills to identify patterns of behaviour and thinking that are causing you problems and change them.
  • Psychotherapy can be more intensive than counselling although people and organisations often use these terms interchangeably. It often looks at how past experience may be affecting your life now, so it may involve delving deeply into early experiences and key relationships. This may take more time, although shorter more focused ways of doing this have also been developed. Interpersonal therapy focuses on how you relate and behave towards others. It helps you to build a better self-image and communicate more effectively with others.

 

If you’re dealing with depression, seeking treatment for abuse or simply seeking advice on how to be at one with yourself and would like to learn more about how a health retreat can help, visit www.breakthrough-retreats.co.uk. There you’ll be able to claim your free copy of my new guide, “Unlocking your full potential: An introduction to the incredible impact of personal development retreats”, packed with information on everything from what a spiritual retreat looks like to the benefits of getting away from it all.

 

Original article: http://www.mentalhealth.org.uk/help-information/mental-health-a-z/D/depression/

Breakthrough Retreats’ Top Tips for good mental wellbeing over Christmas

With Christmas and the New Year fast approaching, Maureen Courtney offers advice on how to cope with the pressures of Christmas and how to implement positive mental change for 2015.

 

 

Drink sensibly

The celebratory spirit of Christmas and New Year often involves social drinking and although the consumption of alcohol might make you feel more relaxed, it is important to remember that alcohol is a depressant and drinking excessive amounts can cause low mood, irritability or potentially aggressive behaviour. By not exceeding the recommended number of safe units, you will be better able to sustain good mental and physical wellbeing.

 

Eat well

The festive period has become synonymous with over-indulgence, which in turn prompts a pressing desire for many of us to lose weight in the New Year. Therefore, where possible, it is important to maintain a good balance of fruit, vegetables, carbohydrates, protein and omega 3 sources throughout the year in order to help us work towards weight loss in a sensible way. Maintaining a healthy diet and weight can improve your mood and can work towards preventing symptoms of lethargy and irritability that many of us feel during the busy festive season and dark winter months.

 

Be active

Exercise releases the feel-good chemicals, endorphins, which help you to relax, feel happy and boost your mood. By undertaking simple tasks such as cycling to work, walking in the park, or joining in with Christmas games, you can benefit from experiencing reduced anxiety, decreased depression and improved self-esteem. In addition, recent research has indicated that regular exercise can help to boost our immune systems, enabling us to better fight off colds and flu viruses that are prolific in winter months.

 

Get involved

The festive period provides us with an ideal opportunity to talk to, visit or engage with the people around us. Face-to-face communication has been shown to improve our mental and physical wellbeing as this interaction produces the hormone, oxytocin, which can benefit our immune system, heart health and cognitive function. It has been reported that a third of us have a close friend or family member we think is lonely, a Christmas or new year’s resolution to see our friends and family more often can help to boost both our own mental wellbeing, and that of others. If you are apart from your family then volunteering for a charity or local community organisation can provide that same human contact, as well as help provide essential support and encouragement for others in need. These interactions can easily be sustained throughout the coming year and need not just be for Christmas.

 

Relax

Christmas can be a very busy and stressful time as we prepare to entertain family and friends, worry about cooking a delicious Christmas dinner, and fit in some last minute present shopping. These feelings of being under pressure can produce symptoms of anxiety, anger and difficulty sleeping which, if prolonged, could have a long-term detrimental impact on your mental health and wellbeing. By exercising more regularly or practicing mindfulness – a combination of meditation, yoga and breathing techniques – you can help to both alleviate the symptoms of your stress and gain more control when coping with difficult situations. Christmas presents aside, implementing a new exercise regime or signing up for a course in mindfulness, such as our online course in mindfulness-based stress reduction, could be your best investment for a more relaxed Christmas and New Year.

 

Sleep

Despite many of us having time off work during Christmas and the New Year, our sleep patterns can be disturbed between catching up with friends and family and partying late in to the night. There is mounting evidence on the link between sleep and mental wellbeing, meaning improvements in the quality of your sleep could result in improvements to your overall mental health. There are several steps you can take towards achieving a better night’s sleep: attempting to get back in to your regular sleep routine as soon as possible after the party period, consuming less alcohol during the festivities, implementing regular exercise into your weekly routine, and taking measures to alleviate your stress.

 

If you’re dealing with depression, lonliness or having problems conquering other personal issues and would like to learn more about how our bespoke health retreats could benefit you, visit www.breakthrough-retreats.co.uk. There you’ll be able to claim your free copy of my new guide, “Unlocking your full potential: An introduction to the incredible impact of personal development retreats”, packed with information on everything from what a spiritual retreat looks like to the benefits of getting away from it all.

 

Original article here.

 

 

The Importance of making a Will

balance loveFrom October 2014 the estates of people who die intestate, or without a will, are to be divided differently.

Rules of Intestacy; determine what happens to a person’s estate if they die without a will.

The major change is if a person who is married or in a civil partnership dies intestate (without a will), their entire estate will now automatically pass to their direct family.

However, couples who aren’t married or in a civil partnership and who don’t have a will still don’t automatically receive anything from their partner or spouse’s estate.

There are several key changes to the rules.

Couples with no children

Previously, in the case of couples with no children, the spouse or partner would inherit the first £450,000 of the estate plus interest, half of any remaining value and the deceased person’s personal property, known as chattels. The remainder would then go to any surviving blood relatives such as parents or siblings. Now the entire estate passes to the surviving spouse or civil partner.

Couples with children

In the case of couples with children, previously the spouse or civil partner would take the first £250,000 of the estate and all the deceased’s chattels. They would also have what’s known as a ‘life interest’ in half of any remaining balance, where they are entitled to use a property or use an income for their rest of their life. The children would take the other half. Now, the spouse or civil partner receives the half of any remaining amount as a cash sum upfront, with the rest still going to the children.

Personal property or chattels

As these laws haven’t been revised since 1925, there are plenty of archaic descriptions of what chattels might be included, such as carriages and scientific instruments.

The new laws now define chattels as “anything that is not monetary, business assets or held as an investment”. Experts say the latter definition is too ambiguous and could lead to arguments among families as to what is an investment.

Adopted children

A child can still inherit part of an estate via intestacy, even if he/she is then adopted. And a person who is “treated as a child of the family” is also able to make a claim.

The amount that can be inherited by the spouse or partner

Previously, the amount the surviving spouse or partner received when someone died intestate was fixed at either £450,000 or £250,000 depending on whether or not they had children. This is known as the statutory legacy. Now this amount will be reviewed every five years in line with the Consumer Prices Index measure of inflation and rounded up to the nearest £1,000.

The importance of making a will

While these changes are an improvement, they still don’t eliminate the need to make a will if you want to ensure your estate goes to certain people. This is obviously especially true if you’re not married or in a civil partnership or if you have partners or children from other relationships.

Making a will also means your family isn’t left dealing with paperwork of intestacy after your death, trying to second-guess your wishes. In addition there’s the prospect of your loved ones paying inheritance tax on your estate if you haven’t planned properly.

Nearly two-thirds of people do not have a will, according to new research by the Co-operative Legal Services.

Original article information here.