After someone dies, there may be many decisions to make at a time when you're finding it difficult to concentrate or think clearly.
Grief can affect your confidence, memory and ability to process information. If you're struggling, it doesn't automatically mean you're unable to make decisions. You may simply need more time, information or support.
Which decisions need attention first?
Some matters, such as registering a death, arranging a funeral and dealing with urgent household expenses, may need attention relatively quickly.
Other decisions, particularly those involving your home, investments or long-term financial arrangements, may be able to wait.
Ask anyone advising you to explain what is genuinely urgent, whether there are any deadlines and what can safely be dealt with later.
How can I make decisions easier?
A few simple steps may help:
- Write things down rather than relying on your memory.
- Ask for information in plain English.
- Take someone you trust to important meetings.
- Break larger decisions into smaller steps.
- Ask for time to consider your options before agreeing to anything.
- Request written summaries of important conversations.
If you're working with a financial adviser, let them know if you would prefer shorter meetings, more time between appointments or additional explanations.
Should I make major financial decisions while grieving?
Where possible, give yourself time to think carefully before making decisions that could have long-term consequences.
Selling your home, making substantial gifts or significantly changing your investments are examples of decisions that may deserve particular consideration.
However, some legal and financial responsibilities have deadlines, so it's important to establish what needs attention rather than simply postponing everything.
A suitably qualified professional can help you understand your options.
What if family members disagree?
Bereavement can affect family members differently, and emotions may be running high.
Try to separate immediate practical matters from longer-term decisions.
Where disagreements involve significant money, property or legal responsibilities, independent professional advice may be helpful.
Remember that needing help to understand or consider a decision does not automatically mean someone lacks the mental capacity to make it. Legal rules about decision-making and authority depend on the circumstances and where you live.
You don't need to work everything out at once. Start with what needs attention now, ask for help where necessary and give yourself time to consider the rest.