A few years ago, my father was in the hospital for over two weeks, and for many of the days was unconscious. It was a very hard time, dealing with my father's health and all the decisions that had to be made. Between my mother and myself, we spent almost every day and night there in the hospital watching over my father and the care that he was given.
One day, I remember walking into the hospital room and seeing my mother under this pile of notebooks and papers. She was trying to figure out how to pay certain bills. My parents have always divided the bills between them to take care of. Unfortunately, this left my mother in a position to take care of everything when my father wasn't able.
My mother spent hours trying to figure out passwords and different account numbers. I remember thinking, is this really what she needs to be doing at this time? How did she get here? How is it possible that she doesn't know how to take care of all the bills and different things in their life?
This kind of situation happens to so many people. They think that they will work it out when the time comes and just keep procrastinating on getting their affairs in order. Unfortunately, when the worst happens, most people are unprepared to be able to handle everything there is. There are so many things that need to be thought about. Some examples are:
1. Is the mortgage paid?
2. Are the household bills paid?
3. Is the insurance paid?
4. What kind of insurance do we have?
5. Do we have living wills?
6. Do we have standard wills and are they up to date?
7. Do we have DNRs?
8. Have funeral arrangements been chosen ahead of time and are they paid for?
Having gone through a tough situation, I understand the importance of having your affairs in order. Dave Ramsey, a financial expert, recommends having a "Legacy File". This is a file box where every important account, insurance, wills, pensions, etc... are located. Each type of account has it's own file. And in each file, there will be a page with account numbers, phone numbers, and anything important that someone who is looking, will need. The idea is to make it easy for your surviving relatives to handle your affairs. This is your legacy to them. Your family deserves the peace to handle your affairs quickly and easily.
I realize though, that this kind of organization is challenging for some. Please call Rediscovered Moments Concierge if you need a specialist to help you achieve a Legacy File. We are here to help you avoid the stress of figuring things out and be at ease knowing you are prepared for when a difficult time comes.
Written by: Kimberly Lapointe
Concierge Specialist, Rediscovered Moments Concierge
Kimberly Lapointe's career of over 20 years as an LPGA Golf professional combined with being a small business owner has developed her skills in customer service and business management. She is especially skilled in organization, financial and time management, and teaching. Kimberly's background as an assistant professor at Wellesley College has helped her develop her abilities in teaching others to succeed. In addition, Kimberly has an extensive background in merchandise displaying for golf stores and resorts. This experience gives her knowledge in improving spacial use and organization of personal items.
Kimberly also takes pride in the management and care of her home. From the day to day management of finances to organization of storage areas, Kimberly has a passion for creating ease and a sense of peace in her home for her family.