If you are planning a funeral for a loved one and you are not sure how to cover all the costs, or you are preparing for your own end of life and want to ensure that your family is not burdened by additional expenses, then here is our guide to what to think about.
When a loved one dies, it can be a very stressful time and also extremely expensive. The thought of covering funeral costs can be overwhelming and so if you are able to plan ahead and prioritise the most meaningful aspects of a ceremony, then this can make things easier.
What is the Average Cost of a Funeral?
The average cost of a funeral in the UK is £4,056 dependent on the type of funeral you are looking to have. Direct cremations are probably the cheapest option, whilst burials are normally the most expensive option. However, you can make burials greener and more cost-effective such as woodland burials. Although you may want to do something special for a loved one, you also need to make sure that it is financially manageable for you. There are always affordable ways to honour someone’s life in a nice way without breaking the bank.
Ways to Save Money on Funeral Costs
Saving money on funeral costs can involve changing your perception of a funeral. The traditional aspects of a funeral such as a hearse, flowers and visits to the crematorium aren’t compulsory. Things to consider when managing funeral costs:
• Choose to have a wake at home or a public space (with permission)
• Spend what you can afford on flowers or use some from a garden
• Decide not to use a hearse or carriage
• Consider not having embalming carried out
• Go for a less elaborate or simpler coffin
Be Aware of the Journey
If you choose to have a national direct cremation, the journey once a person has died cannot be confirmed. Local cremation services can ensure you have more control over your loved one’s ashes and where and when the cremation will take place.
Help Towards Funerals Costs
If you are struggling to afford funeral costs, you can apply for a Funeral Hardship Fund through the government. This will not typically cover the entire costs of a funeral but can offer help if you are really needing it. You should also consider a payment plan.
Sustainable can Often be Cheaper
Green funerals are great for the planet and often encourage simpler and cheaper options to honour someone’s life. Areas to think about include sustainable funeral flowers and bio-degradable coffins or scatter tubes.
If you would like to speak to our team regarding funeral arrangements for yourself or your loved one in the Ripley or Crich areas of Derbyshire, please do not hesitate to contact us. Call us on 01773 749028 or contact us here.