Planning the for the future!

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I’m hoping for a ray of hope. My husband has stage 4 melanoma. Recently found lesions on the brain and although we are positive we feel we should plan for the worst case. My husband owns 50% of a business which is currently being run by his business partner. This is our only income. I’m a stay at home mum as we have 3 children between us (one who lives with his mother and two aged 3 and 5). We live in rented accommodation but my husband owns a flat which he’s in the process of selling.  He’s concentrating more on how we are going to be looked after than getting better. I don’t know how to unpick all of this. We don’t have loads of support hence why I’m a stay at home mother - child care would cost too much and we wanted this set up. 

  • Hello  

    Thanks for getting in touch. I’m sorry to hear about your husband’s diagnosis.

    I think it would be a good idea to have a more in-depth conversation with our Financial Guidance Team so we can understand more about your situation and tailor the guidance for you. Our Financial Guidance Team can offer information and guidance on all aspects of your personal finances to help you make informed decisions in the following areas;

    Pensions and retirement options

    Questions about insurance policies

    Mortgages and money management

    Arranging wills and trusts to protect your family

    General financial planning question

    To speak to the Financial Guidance team, call us on 0808 808 000, then select options 1 then 2 then 1 again. Our team are available Monday to Friday 8am – 6pm. Alternatively you can also speak to us on Webchat too by clicking here

     I also think it might be useful for you to speak with one of our Welfare Rights Advisers. They can check if you and your husband are entitled to state benefits and can help to access other financial support, such as one-off grants to help with extra costs. You can contact them on freephone 0808 808 0000 and they’re available weekdays 8am – 8pm and weekends 9am – 5pm. If you’d prefer you can also contact them via webchat here by selecting “Chat to us” and then the “Welfare Benefits & Grants” option.

    They will ask you for some financial details such as your household income, amount of any savings, cost of rent/mortgage, council tax and utilities just to see if any other help is available.

     

    Yours Sincerely,

     

    Calum  
    Financial Guide