DEAR ABBY: I have this nagging feeling that I should have a will. My husband doesn't have one either, and we are both getting up there in years.

The problem is, we don't have much, and I hesitate to bother a lawyer with so meager an estate as ours. We live on the edge of Palm Springs, where there are a lot of wealthy people, and the lawyers here cater to these rich people.How do I find a lawyer who wouldn't turn up his nose at our few possessions? I would sure appreciate your suggestions, as I have been worrying lately. - GROWING OLD IN CATHEDRAL CITY

DEAR GROWING OLD: Call the Riverside County Bar Association and tell the people there what you have told me. Regardless of how modest your means, I assure you they will refer you to a lawyer who will not turn up his/her nose at your business. Trust me.

DEAR ABBY: I know you have addressed the issue of punctuality in your column, but how about the "overly prompt"? They can be just as annoying as people who are always late.

I refer to the individual who arrives at your desk half an hour early for a luncheon date and plunks himself down "to wait" while you try to finish the work you wanted to complete before the lunch hour. Or the couple who offered to pick you up at 8 p.m. arriving at 7 o'clock - so you answer the doorbell wrapped in a towel. Or the guest who arrives 5 minutes early for your party while you are feverishly trying to get the hors d'oeuvres ready!

What's wrong with these people, Abby? Please print this. Maybe they'll recognize themselves. - FRUSTRATED

DEAR FRUSTRATED: I agree that people who come early can be as much - or more - of an imposition than those who are perpetually late. But if you "drop everything" to entertain them, you are contributing to the problem.

If you cannot confront these early birds, continue to do what you were doing before the interruption. And if that means putting them in front of the television set or handing them a magazine, do it without a second thought, and don't let it give you an ulcer.

DEAR ABBY: My husband and I were married on Sept. 15, 1972. We had a child in 1973. We were divorced in 1975. Exactly 11 months later, we remarried and had two more children. We've been happily married ever since.

What anniversary do we officially celebrate? And please don't say, "Both of them," because, face it, you can have only one 25th wedding anniversary party. - WONDERING IN INDIANA

DEAR WONDERING: Start counting from 1972, and forget that 11-month "hiatus."

Most teenagers do not know the facts about drugs, AIDS and how to prevent unwanted pregnancy. It's all in Abby's updated, expanded booklet, "What Every Teen Should Know." To order, send a business-size, self-addressed envelope, plus check or money order for $3.95 ($4.50 in Canada) to: Dear Abby Teen Booklet, P.O. Box 447, Mount Morris, IL 61054. (Postage is included.)