Just wanted a bit of advice from others who have dealt with this before. My Mum has been in her care home since January. She is self funding and from the outset had enough money to fund for 18 months. The care home did say that they ask private funders have enough money for 2 years but they did not ask to see any proof and it was by far my favoured home so I lied and said that would not be a problem. I have another year before the money runs out or another 6 months before I contact the local authority about financial assessment/assistance from them but wanted to know what to do. A friend advised that I should fund the 6 months from my savings so I don't get into any contractual difficulties with the home( even though nothing about 2 years is mentioned in the contract). She said this would avoid any bad feeling in our subsequent negotiations. My personal feeling is that this 6 months equates to £25,000. If the LA start to fund and I pay top up the same amount will equate to top up for a whole year. Also am a bit concerned about the long term commitment of paying £2000 per month when I am not working as I am a full time carer and my husband about to retire although we do have income from a rented property ( my Mum's former home but inherited by me from my father who was sole owner as she and he were divorced for many years) but as this is managed the income is less than the required top up. I could sell it but that is our buffer when surviving solely on state pension. I know we are fortunate to have it. Mum has settled well and would not want to move her and can't sleep at night for the worry of it all. Just looking for some advice. Any thoughts gladly received.