I watched an interesting item the other day, featured on the Daybreak programme, which discussed how many people felt the charges for organising a funeral were excessive and how some companies in the industry were taking advantage of these people at a vulnerable time.
The feature went on to talk about how although on average, funerals tend to cost around anywhere up to £7000, there are ways to reduce this cost considerably, if you’re prepared to plan most of it yourself.
It may surprise you to know that hiring a funeral director to arrange everything is not a requirement, although at such a difficult time, most of us choose to hand over the funeral planning details to someone with experience.
We all have differing views on burial and cremation which may not even necessarily depend on our religion. It’s worth having the conversation now with your spouse, siblings and parents, to see whether they have any strong views, one way or the other. What should be bourne in mind is that a burial can cost substantially more than a cremation.
Whilst you’re having that conversation, why not also find out if they have any preferences with regards to a coffin? If they want to be cremated when the time comes, then buying an expensive coffin may not be a sensible choice if the budget is tight. Costs can vary widely, depending on choice of wood and accessories. If your loved one cares about the environment, they may even opt for a bio-degradable coffin, rather than an expensive wooden one.
Items such as flowers and stationery can also be bought quite reasonably, if you take the time to shop around.
Although it’s traditional to hold a reception of some kind after the funeral, so that friends and family can socialise, share their memories and pay their respects; remember that this doesn’t have to be held in a pub or other venue. Why not hold it in the deceased’s home or your home instead and ask close relatives to help out with the catering? In many cases, they’ll be glad that they can play an active part and it will give them something else on which to focus.
Finally, the last thing you want is to cause your family financial hardship and additional stress, to add to their grief when you’re gone. Why not do one last thing for them and plan in advance by paying small amounts into a funeral plan, so they don’t have to worry so much about budgeting for your funeral? For help with funeral planning please call us
The cost of funerals held by the Church of England is set to rise once again.
The C of E has voted to increase costs from £102 to £160 from January next year – a rise of over 50%. It has defended itself by saying the new costs are necessary for it to cover lighting and administration fees.
Not all members of the Church are in agreement however, correctly pointing out that this will inevitably have a negative impact on lower income families.
Whether you agree or not that the Church needs to view its activity as almost a business operation in order to remain sustainable, this fee increase is certainly going ahead and so you need to plan in order for your loved ones to remain debt free after you’ve gone.
The average cost of a funeral is now around £7000. With this in mind, many people who have the funds available are choosing to plan now with a funeral planning service. Speak to your Will writing expert who will advise you of ways in which you can prepare financially for the inevitable.