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Don't know what to do husbands set everything up to go to his mom

My husband is going to be leaving everything to his mother when he dies. His not rich neither am I. He dose make more money then me. I put all my pay in this home and expenses I don't have much savings. He makes more then me and only puts half his pay in the home. So he dose have some savings but only 20 tho. Not rich. We are common law have child together do taxes together. We have been together 8years in this home. This home were in was bought when we were only together a year we picked it out together. But because we were only together a year his name is on the deed not mine .....but his mother is there too..none of her money went in to this home. Everything is set up go to his mother. Home money she's beneficiary all this has been done sence we have been together. He didn't make much money when we were first together he went to school while we were first together. I so scared of where I'll be and our child if something happens to him . I brought it up a couple times he's called me a gold digger for bring it up. Other time said oh my mom will take care if you. If he wanted me and his child to be take care of I would get everything. His mother has said off and on if something happens to him she said she thinks she sell this house because she won't be able to keep it up. I said that to him he's said oh no you don't have to worriy about that. There's also recently we were talking about another home moving. He said he wants his mom on the home deed. I don't want. That. She talks about things as if I don't exist the home if he dies her trying to keep it up alone she said she'd have sell it. I said to him this he says oh no she sell this. I don't know what to do.

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