In the event of your death, are your affairs in order? Join Bonnie and Lily as they chat to Monique Dalais, a Wills & Estate Lawyer, about what documents and processes we need in place now. Learn how being prepared will help your family manage a sudden death and make wrapping up the estate process much easier for your loved ones.
The material in this podcast is provided for general information and educative purposes in summary form on legal topics which is current when it is first published. The content does not constitute legal advice or recommendations and should not be relied upon as such. Appropriate legal advice should be obtained in actual situations.
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EPISODE SHOW NOTES
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BONNIE: Hello and welcome! I am Bonnie,
LILY: and I am Lily, and this is Little Home Organised the Pod Cast dedicated to helping you declutter, get organised and reclaim time for the things you love.
BONNIE: Hello and welcome, this week we are talking about getting your affairs in order, we are joined by Monique Dalais a Wills & Estate Lawyer with 30 years experience to talk about how to plan for after your death
BONNIE: While it may seem a morbid topic, making life easier for your loved ones after you depart is a gift
LILY: First things first, lets introduce our guest, so Monique Dalais is a lawyer and notary public with over 20 years of legal experience in both large and smaller commercial law firms across Australia. In the last 10 years she has focused her practice on Estate planning and estate administration. Monique is also a minimalist at heart thriving best when her home is organised. Welcome Monique
MONIQUE DALAIS: Hi Lily, hi Bonnie nice to be here, thanks for having me.
BONNIE: You’re a woman after my own heart being a bit of a minimalist
MONIQUE DALAIS: Yeah I definitely find having a clean space helps me have a clean head, so sure
LILY: Yes I can definitely relate to that and we are privileged today to be recording actually, a little insider info here in your home which we can both attest to is beautifully organised and minimalist.
BONNIE: Yes it absolutely is, it is that whole a clear desk is a clear mind thing and I can see that you do that in your practice as a lawyer
MONIQUE DALAIS: Yeah I pride myself in it but it drives my family crazy.
BONNIE: Hey that’s all right we were born to drive our families crazy
LILY: Yeah we can relate. So today we wanted to get into the topic of making sure we are prepared when the time comes that we do pass and I think, I still think I am reasonably young
BONNIE: You’re not that young you are over the hill, 30 is the hill, you are over it
MONIQUE DALAIS: I’m not sharing my age
LILY: Its only since having my son that I actually really started to think about getting my affairs in order because I was like just being laissez faire about the whole matter, feeling like oh if something happened to me I am sure you know my husband will figure it out, but when I had offspring now, is that a weird word to you use
BONNIE: It is but that’s okay
LILY: But having my own child now, you really need to be responsible, you need to get these things lined up, but the question is what do you need to get lined up, what are the documents and processes you should have in place to make sure that your partner and your kids are cared for when you are gone
BONNIE: Well I guess that is why we are here today to talk to Monique because Monique is the lady with the knowledge to be able to shed some light for all of us of the hillers who maybe haven’t gotten our affairs quite in order yet.
LILY: Do you find it is commonplace that people actually get quite a way into their life before even looking at getting a will sorted.
MONIQUE DALAIS: Well I think statistically over 50% of Australians don’t have a will.
LILY: Wow really
BONNIE: So what happens in that case if they pass and there is no will, what happens to all their property and possessions?
MONIQUE DALAIS: Well there is legislation in each State in Australia that basically says what happens to your estate if you have not left a will. So we call them the Rules of intestacy or Laws of intestacy so that legislation actually sets out who receives your Estate, it also means that someone has to apply to a court to be appointed as administrator because if you haven’t got a will you haven’t appointed someone who is specifically their task is to administer the Estate so 1: It will involved a court application and 2: The law will set out what happens to your estate. So Wills are really important document in terms of, it is about exercising choice right so it is your opportunity to say what you would want to have happen with your hard earned assets.
BONNIE: So where does the public trustees come into the equation then?
MONIQUE DALAIS: Well some people might appoint the public trustee as executor under their Will
BONNIE: Is that usually because they have no family or friends
MONIQUE DALAIS: Yeah it might be that they don’t have anyone that they would entrust or want to put the burden of that responsibility. So the public trustee offers a service in terms of acting as executor and administrator of the Estate, so people have that option. The public trustee might also step in where someone doesn’t have a Will and there is no one who wants to apply to administer the Estate so the public trustee might be an entity that steps into administer an Estate were an executor hasn’t been appointment.
BONNIE: Oh sure
LILY: I know you have said it is different state by state, so lets use Queensland as an example, so lets say I haven’t got a Will in place and I do die, are you saying that even my husband would have to apply
MONIQUE DALAIS: Yes
MONIQUE DALAIS: Someone would have to make a court application, it is called letters of administration.
LILY: I can bet there are people out there who assume purely through marriage that you can just access everything straight away
LILY: And then you are grieving someone and then come to learn that actually all these affairs aren’t in order
BONNIE: Yeah and you have to not only apply but grieve at the same time as go through this, I image lengthy process
MONIQUE DALAIS: It is a fairly standard process, an application for Letters of Administration but it still requires probably a lawyer to assist in that process, so having a Will definitely does, it is about making it easy for those who are left behind and yes in circumstances where they might be grieving as well, so it certainly a very beneficial and kind thing to do for those left behind. So with my clients it is really about trying to help them navigate and pull information together that is really going to make it easy for those left behind.
BONNIE: And even though some people may think it is costly to put a will together it seems like it is going to be more costly for the people left behind if you don’t do it
LILY: Yeah and investment in your future and their future
MONIQUE DALAIS: Definitely. I think it can definitely save a lot of money and I think it is just really about certainty then about where your estate is going to end up and yeah people making an assumptions about will automatically happen that my spouse will just end up with it, is not necessarily the case so.
LILY: When you go through high school they teach you some skills to prepare you for the real world but there are some that they really don’t teach you that are so important and this is like one of them. Yeah teach me how to understand taxes, nope teach me how to understand how to have my affairs in order, nope but yep trigonometry what even is trigonometry I don’t even remember because I haven’t used it, or maybe I have and I just don’t realise I have. So for the people out there who have got no idea, nothing is in order what are some of the key documents we need to think about.
MONIQUE DALAIS: Well Estate planning is not just about planning for your death, although that is obviously first thing that we probably think about, so planning for the future, I sort of use 4 D’s that helps me remember, the risks of what might happen in the future, one of the risks is debt, another risk is divorce, another risk is disability and another risk is death, of course death is the only certain outcome in that so perhaps that is why we think about death but we don’t always think about what happens if I am in debt, what happens if I get divorced, what happens if I suffer some sort of disability. So there are these other things to think about as well in our conversation today we are really probably going to be focusing on disability and death because the other 2 are really probably more about financial planning and planning financially and when we are talking about Estate planning we are really talking about what happens if I have an injury or an illness that leaves me incapacitated or if I have an injury or an illness that causes my death, so what happens in those circumstances. So really there is probably 4 key documents that regularly talk to clients about and are really necessary to have in place. 2 are concerned with if he suffer a disability and 2 are concerned with if we die, so in terms of speaking about disability we need to be thinking about a document called an Enduring Power of Attorney, some states it is referred to as an Enduring power of guardianship but it is essentially a document that gives to someone the power to make decisions for you while you are still alive and particularly if you no longer have capacity to make decisions for yourself. So Enduring power of attorney is a very important document.
LILY: So an example of that if you are alive but you know have advanced Alzheimer’s and can no longer make choice you know the way you could 10 years ago, so that would be a situation where that document would come into play
MONIQUE DALAIS: Yep, Or if you suffer a stroke and are unable to make decisions for yourself or if you have an accident and you are in a coma or in a persistent vegetative stage, I find that people, you mentioned Bonnie that it is a morbid topic. People are somehow ready to talk about death but talking about incapacity is
MONIQUE DALAIS: Much harder to talk about, people don’t want to think about that, so I will regularly see people who don’t have an enduring power of attorney but also I think you mentioned Lil about assumptions that my spouse can just do things for me, that they automatically have power to do something for me so if we have got joint bank accounts maybe that is the case that my spouse can operate on the joint bank account without me but if I cant make a decision, my spouse for example can’t sell my house, or can’t sign a contract for the sale of my house just because he owns, he is a joint owner of that property so there are lots of situations where we might need to have an enduring power of attorney even though we have joint accounts or joint property together, so it is not an automatic thing that your spouse can make those decisions for you.
LILY: Yeah we need to break that assumption.
MONIQUE DALAIS: Yeah
BONNIE: And so you have had cases where people have contacted you where their loved one has become incapacitated and they don’t have that enduring power of attorney and you are called in last minute to try and help rectify the situation.
MONIQUE DALAIS: Yeah so quite frequently I will be asked to see someone who is already suffering from some cognitive impairment and it has become obvious to the family the difficulties that there will be because there is no enduring power of attorney in place, that presents a difficulty because you can only make these documents when you have the mental capacity to make those documents. So there are times where I have to make an assessment about a persons capacity and where we might have to be working doctors to ascertain whether a person does have capacity so we have to take some very careful steps there and if the person doesn’t have capacity then an application has to be made to a tribunal for someone to be appointed either administrator or guardian for that person. So it is really important that these things are done before and not wait and I think for a lot of young people in particular they tend to think that an enduring power of attorney is an old persons document.
LILY: Yeah well you are describing even being in an accident or having a stroke and those things can happen to young people.
MONIQUE DALAIS: For young people the challenge in coming into this space is perhaps one that we think we are invincible when we are young
LILY: What we are not
MONIQUE DALAIS: But to thinking I will get to that, I will get to that at some point.
BONNIE: It is not a priority now because I am not sick and I am not staring down the barrel of a journey towards incapacitation or death or
MONIQUE DALAIS: But it is just really important to bear in mind that yeah if you suffer an accident you can be left incapacitated, incapacity is not something that is just reserved for the elderly.
MONIQUE DALAIS: So I recommend that all young people have in place a Will and an enduring power of attorney
BONNIE: And when is your recommendation for that to happen, as soon as they turn 18, is it as soon as they get married or have like a life long partner, when do you think people should be doing it
MONIQUE DALAIS: Well I think when they turn 18 and particularly if there is assets, I think for a lot of young people they think, well they don’t own anything so what is the point?
BONNIE: I am eating two-minute noodles while I am studying at uni
LILY: Yeah, that was definitely me, I was like I have not a penny to me
BONNIE: You are welcome to my candle collection
MONIQUE DALAIS: So why bother but I was involved in an estate where a young man I suppose perhaps thought in those terms, didn’t own any property, maybe a car, a bit of money in the bank and he had been studying but had been working and had worked in various different jobs and along the way had accumulated a number of superannuation funds and with insurance policies attached to those as well, so no spouse, no children and thinking nothing in my estate, what is the point, tragically killed in a car accident and when we administer the estate there actually ended up being about $400,000 in superannuation and life insurance benefits which because he didn’t have a will, a parent had to apply for administration of the estate and the law is set out how that money was to be divided but he lost his opportunity to say where he would want that money to go, so you might think you have nothing but there might be something there.
LILY: You have made a really good point
BONNIE: Insurance polices
LILY: There is stuff behind the curtain.
BONNIE: Yeah no there a 100% is.
LILY: Okay so you mentioned that is one of the 4 documents, what is another one.
MONIQUE DALAIS: So we were talking about in the area of disability or incapacity, enduring power of attorney and there is also a document called an advanced health directive, so an enduring power of attorney gives to someone the power to make decisions about for you, it can either your personal health matters, or your financial matters or both and in Queensland that is just one document. In other states it is 2 documents, you have a financial power of attorney and an enduring power of guardianship which deals with those two types of things, but in Queensland you can roll it all into one document so that gives someone the power to make decisions, an Advanced health directive is a document that gives your attorney specific instructions about what you would or wouldn’t want in certain medical circumstances and it is a document that you complete with your doctor, so that explanations can be given to you and you then have again it is about choice, making choices and then making it easier for your personal health attorney then to make decisions for you, so it might be if I am in a coma, if I am in the last stages of a terminal illness, so different medical circumstances, it is giving the attorney the directions as to what you would want in those circumstances.
BONNIE: And when you say attorney, that is the person you have nominated to take care of things
MONIQUE DALAIS: Yes
LILY: Is that something we should be doing as young people as well
MONIQUE DALAIS: I think it is a hard thing for a lot of people to do in my experience, they look at the forms and find it quite overwhelming, you can simply entrust the person that you have appointed as your attorney with those decisions, you can talk about what your wishes might be, if it is too difficult for you to get your head around making specific instructions, giving specific direction
BONNIE: But basically, just have to trust that our husbands would make the right call for us if we are in a coma.
LILY: If that’s who you nominate
BONNIE: Yeah well I think he would be a bit offended if I didn’t nominate him.
MONIQUE DALAIS: So that’s the two documents where we are talking about incapacity. The two documents that we are talking about in relation to death is of course your will, we have mentioned that already and an important document called a binding death benefit nomination that specifically deals with what is to happen with your superannuation
LILY: Oh okay so that is not actually included inside your will. It is separate
MONIQUE DALAIS: You can make a nomination in your superfund that your superannuation death benefits are paid to your estate, so then it flows into and is tied with your estate but you can actually nominate beneficiaries directly so that those funds go directly to your spouse if you want them to or to children, so binding nominations can be made in favour of spouse or child or a dependant or someone who you are in an interdependent relationship with so
BONNIE: This is really interesting that you have brought this up because I was talking to my husband about this just a few days ago and he was speaking to the solicitor at his workplace about superannuation for some reason and he said to my husband, oh yeah you have to nominate in your superfund who your beneficiaries are and you have to do it every 3 years.
MONIQUE DALAIS: Yeah so some superfund nominations will lapse every 3 years
BONNIE: Which is so crazy I feel
MONIQUE DALAIS: Some superfunds have no lapsing nominations, so they will be in place until they are revoked so there can be benefit if checking with your superfund to see whether they have a non lapsing option but yeah if they don’t have a non lapsing option then it has to be renewed every 3 years.
BONNIE: What happens if you haven’t actually renewed it and you have got no beneficiaries nominated, do the superfund just take all your money. Do you have to apply for it back?
MONIQUE DALAIS: No
LILY: I mean will I be robbed
BONNIE: Yeah that’s what I feel like that all of our hard work, earning superannuation and the superfund is like hahahaha you didn’t nominate anybody it is mine.
MONIQUE DALAIS: It wont be lost, it just means that the superfund has the discretion to pay it to one or more of your dependants, so again when we are talking about dependants we are talking about spouse, or children or someone who is financially dependant on you or you are in an interdependent relationship with so, all they can pay it your estate so they have a discretion, so again at the outset it is about choice and making sure that your assets end up where you want them to go rather than someone else having a discretion as to how, where those monies will end up so binding nomination becomes quite important.
BONNIE: So maybe in the case of where you and a spouse have separated or even potentially gone down the road of divorce, if you haven’t nominated or changed your beneficiary on your superfund, the superfund likely has that choice to give it to your separated partner.
MONIQUE DALAIS: Correct, yes so that is a risk in doing that, so always reviewing and updating your documents as your circumstances change is very important.
BONNIE: Which is not something you think about at the time because you are just so busy going through that grieving process of life falling apart
LILY: Yeah I think one of the things that we really do talk about on the podcast quite a bit is being organised allows space for life to happen and so, I think in our very first episode we talked about the benefits of getting organised and one of them was being prepared for an emergency so if all of your documents are together and you have what you call a grab and go folder, if there is a fire that is coming towards to your house and you can grab that folder and it has got all the important documents in it or if your house is tidied and you make sure everything is set back in place at night when the day starts and something unexpected happens and you suddenly don’t have as much time to get out the door with your kids you are not also fighting the chaos, so getting organised is really important but I think the thing that is really coming out in todays discussion is that you really do need to get organised now because when someone does become incapacitated or they do die, you want to be organised, you don’t want to be worrying about this stuff
LILY: Like be kind to your future self, we constantly say that, I am just really chuffed that we are doing this episode because I think it reminds me even now with my mentality of a 31 year old that it is important to get on top of this stuff, I am not invincible, I feel it sometimes, less so now that I am 31
BONNIE: And you have a child
LILY: My bones creak a bit more, but it is important
BONNIE: Yeah it really is
LILY: Get organised now, get onto this stuff. Okay so can we like jump into the big W, the Will.
MONIQUE DALAIS: So it again a Will is an important document, and when I am helping people to get the information together in preparing a Will, so a lot of people think well it is just a matter of recording my wishes, setting out something and putting my signature to that so first thing to understand is that there are formal requirements that must be met in terms of a Will, so it has to be in writing, it must be witnessed by 2 adult witnesses who are not beneficiaries under the will.
BONNIE: Written under duress
MONIQUE DALAIS: The person having it must have capacity and not be under any undue influences as well so it is important that the person is making their will freely without any pressure from anybody else, so there are these formal requirements that have to be thought about, but also thinking about, I usually start having people think about what is actually in their estate, what do they own, and it is important to understand how that property or how those assets are owned as well because there are implications for how property is own, for example with real estate, if you own property with someone else you can either own it as joint tenants or tenants in common, so there are different ways of owning it and there is different implications when you die, so it is really important for people to understand what is in their estate, what do they own, how do they own it, and particularly people who have business assets and trusts, so you can have estates that are very simple and you have can have estates that are very complicated but it is important to go through and understand what is in your estate and how is it owned, how is it structured and then where do you want those assets to end up, who are the beneficiaries that you want to have nominate, are there anything, is there anything that we need to think about in terms of who those beneficiaries are, are they overseas, do they have any special needs, are they bankrupt, are they are risk in the way that they lead their life, is your assets at risk depending on who the beneficiaries are. So the process is really about knowing what’s in my estate, knowing who my beneficiaries are, are there any special needs that I need to take into account, is there anyone I don’t want to make provision for who perhaps might then be able to contest or challenge my will, so there are all those sorts of things and then thinking about who is going to be responsible for administering the estate so that person is called the executor, they might also be trustee, so there is quite a few things to think about in terms of understanding, what is in my estate, who are my beneficiaries and how my wish is going to be given effect, who is going to be the person that I can trust to handle that responsibility.
LILY: So is the Will the document that encompasses who takes care of your kids.
MONIQUE DALAIS: Yes you can appoint a guardian for your children in your will.
BONNIE: So a will is really more than my childhood understanding of well this special treasure goes to this person, and this special treasure goes to that person
LILY: And none for Gretchen Wieners
BONNIE: who is Gretchen Wieners?
LILY: Oh my gosh Bonnie, Mean Girls.
BONNIE: Oh right
LILY: Most quotable chick flick of all times.
MONIQUE DALAIS: Yeah, no clue
BONNIE: You will have to watch that one with the daughter’s in law
LILY: I hope a few people out there got that, if you did DM me.
MONIQUE DALAIS: I’ve got sons
BONNIE: Yeah Mean Girls was not something your kids would have watched.
BONNIE: Ok so I think it is time now to hear Monique’s clutter confession even though you are a minimalist, there has to be something hiding in the closet
LILY: So, our clutter confession segment is a time for people to share something weird, wacky or wonderful that they have kind of held onto so like someone else might walk into your home and be oh that’s unusual why have you kept that, why have you kept your child’s hair, why have you kept the container of toenail clippings you know whatever it might be?
BONNIE: I think that just took it to the absolute extreme
LILY: It is a spectrum isn’t it. So is there anything that you can think of, or maybe you can dob someone in
MONIQUE DALAIS: Definitely no toenail clippings, um yeah my problem is probably that I throw out things that I probably shouldn’t throw out, yeah I don’t think that there is anything that I have kept but there is under my stairwell, there is a rather large box of iron ore
LILY: Tell us more about that
BONNIE: I mean doesn’t everyone have one
MONIQUE DALAIS: Yeah don’t you have a box of iron ore
LILY: Yeah I just went digging in my backyard, I mean it is assets right, like saving for the future
BONNIE: Does it have much value
MONIQUE DALAIS: I would have no clue, to me absolutely none whatsoever, to my husband every time I say do we still need to be keeping this box of iron ore, there is no way he is parting with it, so to him it is of huge sentimental value, I don’t know whether he has dealt with that specifically under his will
BONNIE: Precious metals
LILY: The iron ore goes to …… Have you dispersed that evenly amongst your sons? One for you, one for you. How did the iron ore come into his life?
MONIQUE DALAIS: He was an engineering surveyor working in the North West of Western Australia so it has I think some sentimental value for him.
LILY: For his time there
BONNIE: Is it heavy, like how did he get it back
MONIQUE DALAIS: Very heavy, I don’t know, it was in a suitcase.
BONNIE: Wow I mean because you have got like a 20kg limit usually on your flights, so did he just leave all the clothes behind.
MONIQUE DALAIS: He was living there so he may have had it trucked over
BONNIE: Can you just imagine
LILY: I love it that it is under the stairs though, like this is the compromise, you can keep this but we are just going to tuck it away
BONNIE: It is not on display
MONIQUE DALAIS: It is definitely not on display
BONNIE: Is it in a powder form, I have actually never looked at iron ore
MONIQUE DALAIS: No it looks kind of like crystallized rock, some interesting shapes and colours.
LILY: We might have to grab a photo of that and throw that up on social media for people
BONNIE: Because I am sure there are heaps of people like me just thinking, all I can think of is red.
MONIQUE DALAIS: Its black.
BONNIE: Wow that’s so cool.
LILY: Well if you have a clutter confession we would love to hear it so be sure to send it in, you can just flick us a message to our Facebook page, Little Home Organised and all the other socials as well. Um I have one more question for you Monique before we wrap up today. For people who don’t know how to access or choose a lawyer do you have any recommendations on how if they have not got any of this stuff in place what should they do to get the ball rolling?
MONIQUE DALAIS: Most of my clients come to me by word of mouth, so they have asked someone else who they have used, the law society also has a list of lawyers
LILY: Is that a website that people can access
MONIQUE DALAIS: So if you are looking for know with own accredited specialisation in certain areas you can, the law society has a register that is sort of available, that’s for accredited specialists but yeah most of my clients come to me by word of mouth, so ask your friends.
BONNIE: Yeah personal recommendation is always the best isn’t it.
LILY: The other thing I find as well, is if you haven’t got anyone in your immediate circle, if you are part of like an online group, like a Facebook group
BONNIE: Like a mums group or something
LILY: Mums groups especially they love to recommend things, if they have had a really positive experience or if they have had a really bad one
LILY: Don’t go to that mechanic, you know that could be another place you could do a call out and find about peoples personal experiences if you haven’t got anyone in your immediate circle.
BONNIE: And just to clarify because this is something that I was a little naïve about when I was a teenager, not everyone who is a solicitor can necessarily do Wills and Estates can they.
MONIQUE DALAIS: Not everyone will do Wills and Estates so it is important just to be ringing and usually if the lawyer doesn’t do Wills and Estates they will tell you that that is not their area and they might refer you on to somebody else but you can ring your local law firm and ask if there is someone there who can handle Wills and Estates for you. I am sure you will be able to find somebody
BONNIE: And one last question I have, how long does the process usually take if you are putting in place these documents, it is a couple of days, a couple of weeks, a couple of months.
MONIQUE DALAIS: Well it varies, sometimes depending on the complexity of a persons situation, some people like to take a lot of time to think through their documents but it need not take very long, generally it takes me a week to turn around documents for people, it just depends on how busy your lawyer is as well
MONIQUE DALAIS: So the workload that is there and there are circumstances where we really want to get Wills in place quite quickly because people are either being hospitalised or going away so we look at trying to have a quick turn around where we can, so it needn’t, while the process might seem a bit overwhelming to start with, I think once people have actually got the ball rolling like most things, once you make a start they usually find oh that wasn’t as hard as I thought it was going to be
BONNIE: Yeah it is just that
MONIQUE DALAIS: It is having someone to help them navigate those questions, to ask those questions and to help them get organised so one thing I should say for people is that pets are not children
BONNIE: Oh I think you have just offended a whole bunch of our listeners.
MONIQUE DALAIS: Don’t leave your estate to your pets
BONNIE: Oh yes that is actually a really good point because what is your schnauzer going to do with it.
LILY: With your superannuation fund
MONIQUE DALAIS: They are property, you can leave them to somebody else and you can leave that person with a gift to be able to take care of them if you want to. But yeah it is probably not wise to leave your estate to your
BONNIE: People can do it like legally
MONIQUE DALAIS: No, so a dog cannot be a beneficiary but there are ways of structuring as I say you can leave the dog to somebody and
BONNIE: And give the money to them.
MONIQUE DALAIS: Create a trust
BONNIE: What can only be used for the care of the dog
MONIQUE DALAIS: Yeah
BONNIE: Wow I suppose if you are use to a life of luxury
LILY: One pampered pooch. Monique thank you so much for chatting with us today, I know that even I have learnt a lot, not that I knew too much about this to begin with but it has been really informative.
MONIQUE DALAIS: Thanks for having me.
BONNIE: So, for this week’s tidy task, if you don’t have your Will, your Enduring Power of Attorney, your binding financial death benefit nomination
LILY: That’s the one
BONNIE: Or your advanced health directive sorted, your tidy task is to get the ball rolling, remember that every journey starts with a single step
LILY: And that is it for this week’s episode, thank you for tuning in, lending us your ears for another week of Little Home Organised.
BONNIE: And remember progress not perfection.
LILY: See you later
LILY: So we have talked about the artwork coming into our homes and some of the
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