How to Get a Will at No Cost

Benjamin Franklin once wrote in a letter, “In this world, nothing can be said to be certain, except death and taxes.” Because of this fact, having a will is crucial. Do you know how to get a will at no cost? Don’t worry because I do, and I am going to let you in on the secret.

They say you don’t buy life insurance for you, but your family. The same thing can be said of wills. Because all of us will face death eventually, understanding some basic facts about wills can help us ensure our loved ones will be taken care of after we pass. All of you know my son is my world and my why. I cannot imagine making life even more difficult for him after my passing by leaving him in a lurch trying to figure out what needs to be done. This is where a will (and life insurance, though that is not the focus here) can provide guidance and direction for how to handle my assets after I am gone.

What is a will? 

A will is a legal document that spells out how you want your assets and property to be distributed following your death, and how you want your minor children to be cared for. Without a will, there are no guarantees that your desires will be carried out. While a will can be challenged, at least you have expressed your wishes and what you want to happen. Without this document, a probate judge, or some other court official or court-appointed person, will make those decisions for you. 

Hollywood is filled with stories of someone who decides to craft a totally new will at the last minute. It is usually done on a napkin or back of a piece of paper. Please take the time to have your will drafted, printed, and signed in front of two witnesses. These witnesses should be familiar with you and your signature so they will be able to verify you did, indeed, sign the will. The witnesses will also be able to corroborate that you were mentally fit to understand the scope and nature of the will. 

What is a living will?

A living will outlines what you wish to happen to you from a medical perspective if you lose the mental capacity to direct and guide your own affairs. God forbid it should happen, but if someone were to get in a terrible accident and went into a coma, a living will would inform health care professionals about a variety of issues, like whether you wanted to be on life support, whether they should withhold you from receiving nutrition, or whether they should make any efforts to resuscitate you. 

I know these are some heavy things to deal with, but we can’t put these decisions off to another day. Let’s face it; we don’t know if we will be here tomorrow. You might recall I was in a motorcycle crash. Thank goodness I was only in the hospital for three days, but it could have been much worse.

Where can you get a will made?

Do you think you need to have a lawyer draw up a will? If so, you are not alone. It’s a common misunderstanding. While having a lawyer isn’t necessary, it might be a good idea. If a lawyer works with you on creating a will, then he/she will be able to address any concerns following a death. So, you might be asking if a lawyer is not needed, how do you get a will made? There are some other alternatives. You can buy forms to draft a will online or in a store. Several internet-based companies will guide you through creating a will on their websites, generally for a fee. You can also purchase software that will walk you through the process of creating a will. 

That said, I’ll show you today how to get one for free.

How much does a will usually cost?

Buying the forms you need at an office store might cost you around $25. If you purchase software to help you write a will, it can be between $15 to $100. If you go to one of the internet sites, then maybe it will cost you $100 or $200. It could potentially be over $1,000 if you go to an attorney, depending on the number of assets you own. These would include investments, life insurance policies, properties, artwork, and other valuables.

How to get a will at no cost

Here at The Budget Mom, I work hard to empower people like you to take control of your lives. I am happy to share how to get a will at no cost: Go over to the Fabric website, answer a few questions, print out the will you receive via email, sign it in front of two witnesses, and breathe easy knowing you have completed a crucial step in helping to make sure your loved ones are taken care of should you no longer be around.

I am happy to partner with Fabric, which offers you the opportunity to make a free will. When I was being crushed under the weight of my debt, I could not do everything I wanted to do. I was severely limited. Maybe right now, your financial situation will not allow you to hire an attorney to write your will. Don’t sweat it. Get a nice, simple will for free from Fabric (you can click here and get started). 

I wanted to see how easy the process is, and I can tell you they made this very simple. You should know, Fabric sells term life insurance. They believe it is important to have a will to help make sure your wishes are carried out and your family is protected should something happen to you. They also want you to protect your family financially if you were to pass away. While Fabric makes its money selling you insurance, the will is free — it will cost you nothing but a few minutes of your time.

You should know neither Fabric, nor I am in a position to offer legal or tax advice. If you choose to create a free will through Fabric, here are the questions you’ll be asked to answer:

What’s your family situation

• Baby on the way
• Kids under 18
• Other financial dependents
• None of these

Do you have any significant debts?

• Student loans
• Mortgage
• Credit card debt
• Other debts
• None of these

What assets do you have?

• Money in checking or savings
• Investments or real estate
• Other belongings you care about
• None of these

Do you currently have life insurance?

• I bought my life insurance policy
• I have some coverage through work
• No

How old are you?

• Under 21
• 21-29
• 30-39
• 40-49
• 50-60
• 60+

The questions give Fabric an idea of what you need to protect and plan for. If you are in debt, then a life insurance policy could provide the funds to erase the debt and allow your loved ones to continue living in the manner in which they were accustomed to.

After you answer the questions, you will then be guided through a process to fill in the blanks to add some specifics to the will. You will get a copy via email (and you can access it later by logging in to your Fabric account), and Fabric will give you directions to follow to help you make it legally binding. If you do not have a will, please, please, please take a few moments to get one now. What are you waiting for? Click here.