I never thought I'd feel the need to share financial advice with anyone, especially in this public way after I said that the last post was the end, but here goes. As my other posts have indicated Banks have probably been my biggest challenge. My summary advice at the end of it all is to have joint bank accounts (I have avoided needing probate) but have at least one credit card where you are the principal person. Because I was a second card holder on Mark's credit card it has had to be cancelled and I personally seem to have no credit rating in the banking system, and so have the lowest credit limit for 6 months - which got exhausted when I bought airline tickets to the southern hemisphere for us all.