Funerals can be a big expense. If the loss of your loved one was unexpected, it’s likely there won’t be any life insurance or pre-paid funeral schemes in place. This means paying for the funeral service yourself. Here’s how you can afford to give your loved one the send-off they deserve.
Check if they left any funds
Whilst there may not be any schemes in place to pay for a funeral, the deceased loved one may have savings or money locked up in assets that could help pay for a funeral service. Banks are usually willing to pay a cheque directly to a funeral director out of the deceased person’s account if you show them the funeral bill. There may be debates amongst you and siblings over how much money should be used for funeral costs as some of this money may have been left as inheritance in a will. Gather all your relatives together so that you can talk out your options.
Split the costs
You may be able to ask family members for contributions to the funeral. Most friends and family will be willing to donate something, which could help provide a full funeral service. You could even hold a charity event that helps pay for your loved one’s funeral.
Take out an emergency loan
A loan may be the best way of paying for a funeral, especially if your loved one had requested special requirements that you yourself cannot pay for. Even if you have bad credit, there are specialist emergency loan companies out there such as Really Bad Credit Offers that can help fund your funeral. Make sure that you know exactly what kind of debts you’re taking on.
Shop around for funeral services
Funeral companies will all charge different rates and provide different deals. It’s worth getting quotes from lots of different ones. Your Funeral Choice is a great website for comparing funeral services in your area. You may be able to negotiate costs in some instances.
Buy a casket/urn online
You don’t have to buy a coffin or urn from a funeral company. Sites such as Memorials offer a range of caskets and urns include discounted options. Be aware of delivery costs when shopping online for caskets. Other funeral items can also be ordered online such as flowers.
Consider other ways to cut costs
It’s often difficult cutting the costs of a funeral as you’re never sure what your loved one would have wanted. If they weren’t fussy, it could be worth considering some big saving options. Cremations are less costly than cremations. You may even be able to forgo an urn for a temporary container if you hope to scatter the ashes. Donating the body to science may be another option for saving costs. You also don’t have to host a funeral at a church or specialist funeral venue – you could host the funeral at home in the loved one’s garden or even on a beach (with permission from the local council).