We talk a lot here about physical fitness and health, and frequently about mental health. This week, though, I have been thinking a lot about financial health. Or at least about having my financial affairs in order.
I’m some ways, my financial things are pretty straightforward. I worked for the federal government for most of my career, so there was only one pension to worry about, and I’m already collecting that. I have a will (it was actually a requirement before my first posting abroad). But there have been other bits and pieces of information that I really should put together someplace where my kids can find it: I have a bit of money in other financial institutions, an RRSP I set up years ago with a out-of-town friend who has long-since retired, account numbers and passwords for everything from the hydro bill to credit cards.
And I need to figure out how to keep it all up to date (lesson learned from my dad, who kept records of everything including the adoption of our family dog in 1969 in his handy binder of key information, but had not updated info on an insurance policy so it took me a over year to track it down to get it paid out).
I have questions too. Do I need to keep some sort of proof of ownership for my cottage and house, or will that require a title search anyway before the kids can take over and sell them? What do I want to happen with my cats?
And my books? I have some that are probably of value because they are rare and out of print, but they are pretty niche. I have promised the kids I would provide the names of a few friends who might be interested in them. I’ll provide a list of those I think would be worth reselling or passing on to a museum. But if they choose to just dump them? I have promised I won’t be offended because I’ll be dead.
The same general principle applies to my craft supplies and the furniture I love because it came from my grandparents, assuming I haven’t yet downsized myself.
Speaking of being dead, I should add funeral plans to my list and make sure the kids know my wishes (and if I arrange a pre-paid thing, ensure they know where to find that information).
It feels overwhelming to deal with all these details, on top of managing Mom’s financial affairs. But each time I get through a little task, the mental burden lifts a bit.
This week’s achievement was moving furniture from Mom’s and my houses to the cottage. I finally have a proper bedroom and place to eat, and both Mom’s basement and the room I use for my fitness studio are significantly less cluttered. It was definitely a workout loading up a van then getting into the cottage from the parking area.

I spent much of the rainy long weekend relaxing on that bed, alternating with making lists of next steps to ensure my financial health.
How about you? Do you have all your financial information and wishes organized and accessible? Or is it something you dread contemplating?
















