Plan for the future - and help loved ones

Being prepared for your own death is an essential part of life.

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Here are simple steps to take

1. THINK ABOUT YOUR FUNERAL

"The first step to helping your family, and also ensuring your wishes for your funeral are followed, is to write them down," says Executive Director of Red Apple Law (www.myredapplelaw.com), Angie Wilson.

Think about what you would want in a service - and let your family know what you don't want as well. Talk through the ceremony with your loved ones.

2. START SAVING NOW