pips, a lot of widows find themselves in your situation as well. Some women have never had their own bank account, even now, and their husbands paid all the bills and dealt with all the correspondence.
Some men have never done their own laundry, cooked a meal or even shopped for food.
Not all widows have a big pension or own their own home. It's tough to start a new life whether it is your choice by divorce, their choice or bereavement.