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Making a will: everything you need to know

CAP client in her kitchen stood next to her husband and smiling at each other
Learn how to write a will with our guide covering what to include, changing your will, how to get legal advice, and protecting your loved ones. 

Writing a will might not be at the top of your to-do list, but it’s one of the most practical and loving things you can do for the people you care about. It helps protect those closest to you, gives you peace of mind, and ensures the things God has entrusted to you are passed on in the way you intend.

This guide will walk you through how to make a will, what to include, how much it costs, and how you can choose to leave a gift in your will to support the work of Christians Against Poverty.

Why make a will?

A will is a legal document that sets out what should happen to your money, possessions and any property after you die. It’s also where you can name guardians for your children, choose someone to handle your estate, and outline any specific wishes you have.

Without a will, the law decides who inherits what. That might not reflect what you want and can leave your family with uncertainty and extra stress.

A will gives you control, clarity, and a chance to leave a lasting impact.

Can I write a will on my own?

Yes, you can write your own will, but there are risks if it’s not done properly. For a will to be legally valid in the UK, it must:

  • Be in writing

  • Be signed by you in front of two witnesses

  • Be signed by the witnesses, in your presence

If your situation is straightforward and you feel confident, you can use a template or online will-writing service. But if you have children, own property, or want to make sure everything is watertight, it’s best to get legal advice.

What to include in a will

Here are the key things you’ll need to think about:

  • Who you want to leave your estate to (your beneficiaries)

  • What you want to leave them – money, property, savings, personal items or digital assets

  • Who will manage everything when you’re gone (your executors)

  • Guardians for your children if they’re under 18

  • Funeral wishes (optional)

  • Charitable gifts – if you’d like to leave something to a charity

Splitting up your estate

Your estate is everything you own, minus any debts. You can leave specific items or amounts of money, or divide your estate into percentages. For example, 50% to my partner, 25% to each of my two children.’

How much does it cost to make a will?

The cost of writing a will depends on how you go about it:

  • DIY or online wills: from around £30 to £100

  • Will-writing services: around £100 to £150 for a simple will

  • Solicitor-drafted wills: usually £150 to £300, more if your situation is complex

CAP partners with trusted will-writing providers to make the process easier. In some cases, you may be able to write your will for free. 

Find out more about writing your will with CAP.

Where to keep a will

Once you’ve written your will, it’s important to store it safely. Let your executors know where to find it, but don’t attach anything to the document itself.

You can:

  • Keep it at home, in a secure place
  • Store it with your solicitor
  • Register it with the National Will Register (optional)

Avoid hiding it away where no one will find it when it’s needed.

How to change a will

You should review your will regularly, especially after major life changes like getting married, having children, or moving house.

Yes, you can use a codicil (a legal amendment) to make small changes. But if you need to make big updates, it’s usually better to write a new will.

No. Even if someone holds power of attorney for you, they cannot change your will.

No. Executors are responsible for carrying out your wishes, not altering them.

Costs vary depending on the changes, but updating your will through a solicitor usually costs around £100 to £150.

In some cases, yes – with the agreement of all beneficiaries and through a deed of variation. Legal advice is recommended.

Start writing your will today

Writing your will doesn’t have to be daunting. Take it one step at a time:

  1. Make a list of your assets and wishes

  2. Choose your beneficiaries and executors

  3. Decide how you want to write your will – DIY, online, or with a solicitor

  4. Consider leaving a gift to CAP

  5. Store your will safely and keep it up to date

Need help getting started? Get in touch with us [email protected] or download our free guide below.

Leave a gift in your will to CAP

Once your loved ones are provided for, you might consider leaving a gift in your will to CAP. It’s a simple way to help future generations break free from poverty and find lasting hope. Even a small gift can lead to big change, offering debt help, practical support and gospel hope to families across the UK.

Need help with money worries?

If financial pressures are making it hard to think about the future, we’re here for you. CAP offers free debt help and practical support across the UK. Find help today.

Angela, former CAP client, now debt free.

Will you help break the link between disability and debt?

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Help provide vital support for disabled people in poverty across the UK

Angela, former CAP client, now debt free.