Dont think about the money at all. She still knows you and the house, She is still fairly mobile and I gather that there arent any incontinence problems yet, so, TBH, I think you are only at the beginning of your journey and she could live for many more years (or it might only be a few months). The money will go - if she is at home you will need to pay for house adaptations: a new bathroom (better still a wet room for when her mobility and personal care are a problem), grab rails, perhaps a ramp when her mobility goes, safety gates, lots of tamper-proof locks, possibly changing carpets for lino (more easily cleaned). Then she will need to pay for carers to come in and this will increase as her needs increase - she may end up needing 2 carers 4 times a day and if nights are a problem she will need someone in overnight or you wont get any sleep at all and your work will suffer. She will probably require day care and respite care in a CH to save your sanity and allow you work. Once she becomes incontinent then she will need to pay for pads (NHS supply some, but it seems like most people have to buy extra) and your water bills will increase due to extra washing.
All of this takes money - dont get caught up in trying to save it. All of my family know that they are unlikely to receive any inheritance from mum and she had funding from her home as well as savings of £45 thousand.
All of this takes money - dont get caught up in trying to save it. All of my family know that they are unlikely to receive any inheritance from mum and she had funding from her home as well as savings of £45 thousand.