Many people leave funeral planning to their loved ones, avoiding the opportunity to make arrangements before their death. Funeral costs can put financial stress on a family at an already difficult time. It can feel undignified to speak about money and finances during the arrangement process. Consider that a funeral is a large purchase for most families. You may feel that it is disrespectful to your loved one to haggle over costs or be influenced by money. The grim truth is that your loved one would probably not want you to go into debt for a funeral. Here are some tips for staying within your budget while maintaining dignity for your loved one.
Take Your Time Planning a Funeral Service
Although there may be some pressure to make decisions, it’s okay to take a breath and really think about the types of services you really want. There are options that can save money, such as direct burial, which is when the body is buried soon after death. There’s no embalming or visitation, which saves money. You can hold a memorial service on your own schedule. Direct cremation is another option that can be more affordable.
Pick and Choose the Funeral Services You Want
You don’t have buy a set bundle of services from a funeral home. You can select the services you want. Know your budget ahead of time. When you make arrangements, have a friend or family member with you who can be objective or even help you negotiate. Choosing to have the service in a church or your home is an option that can help you save on funeral expenses. You may even want to plan some of your own things, such as printing memorial cards or asking your clergy to perform the service.
A funeral or memorial service honors the loved one who died. It’s not disrespectful to ask about costs and to find solutions that fit your budget.