Planning For a Funeral: Who Pays and How to Reduce Cost

Planning and organising a funeral is a difficult undertaking. When you’re going through much grief and stress, you’ll need all the help you can get. Here is a breakdown of the vital things you need to consider to ensure a smooth and solemn send-off for your loved one.

Start with the basics

Before doing anything, you need to find out first if there are specific instructions in the will. Usually, the will contains information on how to fund the funeral as well as preferred arrangements. Now, if any of these instructions seem impractical, you may speak to your relatives about it. You can then ask for their input and come up with a plan that all are willing to help with.

Look for a funeral director

One of the most important decisions you’ll make is choosing a funeral director. For those living within the West Yorkshire region, there are funeral directors in Leeds who can handle most of the formalities. The role of a funeral director can extend beyond taking care of the deceased. They can also arrange the service, and help plan for any special wishes you and your relatives may have.

Having a funeral director assisting during every step of the process is most convenient. They are professionals and know how to take care of any situation. They can also relieve you of making stressful decisions. For instance, you can leave small details such as choosing funeral flowers to the director.

Should you consider a cremation?

Choosing cremation over traditional burial has a big impact on cost. You can still have a funeral service even if you choose to cremate your loved one, and these arrangements depend on what you can afford. Of course, honouring the wishes of the deceased is vital, but always go with the best option that’s within your budget.

How much do funerals cost?

In 2020, funerals in the UK cost £4,184 on average. Oftentimes, this will not include extras such as flowers and the fee for funeral director services. Some people who want to save money cut non-essential services. So, you need to carefully consider which you think are most vital, especially when you don’t have the time to arrange everything.

If the deceased has a funeral plan or life insurance, it may cover most of the costs. Other times, the estate may also pay for the expenses. But if these aren’t available, relatives usually pay for the funeral. Now, in reducing the cost of a funeral, there are plenty of things you can do. For example, you can choose a less expensive casket and avoid spending too much on flowers. You can also choose not to hire a catering service, and cook food at home instead.

When it comes to transport on the day of the funeral, encourage guests to drive to the venue instead of hiring a car or limousine. You may also hold a wake in your house, to save money paying for a venue. Lastly, some people choose not to embalm their loved ones, especially when the funeral will be quick and there’s no plan to hold an extended viewing.


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