What Is a Personal Property Memorandum - And Do You Need One?

How to Divide Personal Belongings After Death

A personal property memorandum is a written document that lists specific personal belongings and names the person who should receive each item after your death.

It works alongside your will. It does not replace it.

Why a will is often not enough

Most wills contain a general clause such as "personal effects" or "household contents." Legally, that can be valid. Practically, it can create confusion.

If you have multiple children or beneficiaries, broad wording can leave your executor guessing who receives specific sentimental items.

What a personal property memorandum includes

A clear list of items
The name of the person who should receive each item
Optional notes explaining your decision

Typical items listed include jewellery, heirlooms, collectibles, artwork, tools, furniture, and keepsakes.

Is a memorandum legally binding?

This depends on your jurisdiction and how your will references it. Some wills specifically allow a separate memorandum to control distribution of personal property.

You should always seek legal advice to ensure your estate documents are valid in your location.

However, even when not legally binding, clear written wishes significantly reduce family conflict.

Why clarity matters more than formality

Many inheritance disputes do not begin in court. They begin in living rooms. They begin with uncertainty.

A clear record of your wishes removes ambiguity. It reduces pressure on your executor and protects family relationships.

A practical way to document who gets what

Who Gets What is designed to help you create a clear, organised record of your personal belongings and who should receive them. It complements your will and makes your intentions easier to follow.

Record items with photos
Assign each item to a person
Add context notes if needed
Export a structured record