Firstly, I’m sorry for your loss, assuming that you’re here to save money on a funeral you need to arrange. The last thing you need now is financial stress though. That’s why I wanted to share with you some ideas which could help you reduce funeral costs. The average cost for a funeral is around £3k but obviously this can vary depending on how personalised you or the deceased wish for it to be.
I’ll get to the point as I’m certain this is something you would rather not dwell on and just get organised.
- Check if the deceased has prepaid for a funeral. If so, no need to read on.
- Funeral directors don’t normally require payment upfront so don’t panic.
- When there is cash in the deceased bank account then enough is normally released by the bank, arranged by the solicitor.
- If the money isn’t in cash and needs to come from the sale of an estate, you can normally make arrangements with the funeral directors.
- If you receive certain benefits, you may be entitled to a Funeral Payment. However this doesn’t normally cover ALL the costs. You can find out more here.
- When you register the death, utilise the Tell Us Once Service. This will save you time and money on phone calls and letters to other government departments. More importantly it takes the stress away from you having to explain what has happened to more than one person.
- Cremations are cheaper than burials.
- Coffins vary considerably. Even basic ones look nice and cardboard ones are really acceptable these days for environmental reasons.
- You can choose no handles to reduce coffin costs even further.
- If you want to have flowers, go for minimal and seasonal e.g in spring Daffodils are a good choice.
- Opt for just one notice in the paper – this is normally a minimum requirement.
- If you’re having orders of service, then make them yourself by printing them at home or ask friends to assist. Print black and white on folded paper. There are plenty of templates online you can utilise.
- If you really want a funeral car, just have one for immediate family. It is fine to drive yourself although consider how emotional you might be on the day. A taxi or have a family friend take you as a cheaper alternative.
- Wear something you already own for the day rather than buy something special. You could always accessorise the outfit with a family heirloom piece of jewellry.
- Make your own playlist rather than pay for a choir or the organist. You could even ask for volunteer musicians from your friends or family or perhaps a local music college.
- Have the wake at your home, or the home of the deceased. A garden party could be easier if space is a premium.
- Ask everyone to bring a dish or a picnic to share the load and cost. Alternatively just limit it to coffee and cake. This also limits the amount of time people will hang about as you may just want them to stay a short while.
My last tip is to ask for help.
If that is just too hard, then try to accept any help offered. If neighbours ask if there is anything they can do to help then suggest they make up an extra dinner plate for you during this period. There won’t just be the funeral to think about at this time so any help to keep things ticking over whilst you’re preoccupied will help. Keeping fed, watered, pets walked, bin put out and grass cut etc will all assist you from becoming overwhelmed. If you do begin to feel overwhelmed, you could consider an online counselling site such as BetterHelp to support you during this period of bereavement.