It doesn't matter how young you are, everyone should have a will. It need not be difficult or expensive to set up and there are hundreds of places online that will help you.

And while you are at it have a think about what you want your funeral to be like... if you have a particular wish let your loved ones know. Buried or cremated? Flowers or donations? Religious or not? What hymns/songs? Black clothes or coloured? If/when the worst happens it will save your family one small heartache

Not a happy thought but a useful one...