Fed up of worrying about money.

I totally understand your worry Bopeep . We don’t have a regular income so it’s very hard to budget for anything . I rely heavily on credit cards for every day purchases which I hate, but needs must . We always think things will get better next year but to be honest I think winning the lottery is our only hope now and that’s about as likely as a snow ball in hell . I certainly wouldn’t be worrying about inheritance etc. ( assuming you are as others have suggested) .
I do hope things improve for you soon .

There is an app for that ! I used to worry about money - I never knew where it went and wondered if I'd have enough each week. Then I got a phone app which tracks my money - I can see at a single tap, how much I've got this week and what I've spent my money on. I even get a pie chart showing where it's gone and what percentage was spent on what item. It's reassuring to see what I've got left and where it's all going. I'd highly recommend it.

Until we understand your problem more, all I can say is 'budget', certainly for Christmas

Are you genuinely poor? - or is this just something you worry about?

I would recommend making contact with CAB or Age Concern who will be able to check that you are getting all the right benefits.

This link leads you to various online benefits calculators which can help.

If you are relatively OK financially but worried about not having anything to leave your children, I would suggest not doing so!

We dont have much but I dont worry about that all the time.
I tend to budget everything so that we always have spare.
I am wondering if you are just a worrier or do you really have so little that it is a constant burden to you?
Perhaps explain your situation a little more so that we GN's can understand.