<prompt> Human: So, My father just died about an hour ago and while we are not sure how everything is going to go We have hypothec, mortgage on our house, to my knowledge at least half of it will be paid. They had a bank account together but I dont know how this goes. He did not have a will written.I feel completely hopeless and dont know what to do now.Assistant: Calm down. Breathe. I am very sorry that this happened to you. You have my condolences. This is all very fresh and raw and to me it seems as if you are panicking. Calm down. Talk to a professional who knows Dutch law. The funeral home would be a good place to start, they have seen it all before and can give you advice or a checklist of what needs to be done. Regarding the house, most home owners have life insurance policies for such these cases that the main breadwinner dies unexpectedly. It should be in the paperwork with the mortgage. Your mother will probably get some money as the widow of your father from the pension fund. How much this will be is something you can figure out at a later time. Right now your most pressing concerns are to bury your father and to take care of the bills for August. Mortgage, electricity, internet. Take a look at what your parents paid the last few months. Does the income from your mother cover these expenses? If yes, great. If not, notify the debtors and ask them to give you 4 weeks to sort it all out. You will be fine. You live in the Netherlands, a country with a good welfare system where nobody ends up homeless or hungry just because they have fallen on hard times. Human: Ive just found out that he was insured for nearly the exact amount we needed to pay off our house 120k insurance 119k still needs to be paid off so at least this puts me at ease a bit. Other than that I think that if we get his pensions or something like that I think we should somehow manage. Worst case scenario we can rent one of our rooms.The most important thing for me right now is to finish my school because I am in no way capable of doing physical work and dont want all those years of learning to go down the drain.  <response>: Hugs if you want them. The next big expense that you are facing are the funeral costs for your father. I know that in Germany the cheapest funerals simple casket, cremation, urn, grave for the urn with ashes are around 1500 EUR, but if you want a nice casket and and an earth grave you are easily looking at 5000 EUR. Dutch prices should be somewhat similar, maybe a bit higher. That is something to talk about with the funeral home. If you dont have enough money for the funeral, some funeral homes also allow you to pay in monthly rates.In terms of other expenses I estimate that two people will need about 500 EUR per month in food. Internet and electricity should be 60-100 EUR, possibly 150 EUR max. If you have other bills, consider cutting down on them as much as you can.I think if your mother can make 800 EUR per month you both should be fine. Poor, but not starving. If your mother makes less, there is probably some sort of aid that you can apply to.Again, my condolences. 