It is imperative that you have your own bank account (or open one as soon as your husband dies) into which monies can be paid without forming part of the estate.
Kubalulekile ukuba ube ne-akhawunti yakho yebhanki (okanye uvule uvule enye emva nje kokufa komyeni wakho) apho kunokuthi kuhlawulwe khona iimali zakhe ngaphandle kokuyidibanisa neyomhlaba wakhe.