How to Save Money on Funeral Costs
1. Shop Around
Many people plan their funerals in-advance, which makes the task a little easier on the family. Since death and funerals is an uncomfortable topic, the majority of arrangements are made after a person dies. The grieving family wants to get the process over, and usually purchases the first funeral package they come across. However, shopping around and comparing different prices can save you a ton of money. When funds are tight, comparison shopping is wise.
2. Skip the Package Deal
Funeral homes typically promote package deals, in which families can arrange services at the funeral home, select a coffin, and choose a burial plot for one price. While packages are convenient, and may sound like a good deal, you may actually save money with separate purchases. Contact several cemeteries and discuss lot prices. Additionally, contact at least three local funeral homes. Sometimes, the family can save money by having the funeral services at a church. In this case, the biggest expense is burial and coffin. Re-pass meals are customary. Rather than have the funeral home cater the event, host a small meal at a family member's home.
3. Choose a Closed-Casket Funeral
If selecting an open casket funeral, embalmment is necessary. This procedure slows the decomposition process, and preserves the body. Unfortunately, it is very expensive. On average, embalmment costs up to $3,000. Some states require embalming. However, you can skip this hefty cost with an immediate burial or closed-casket funeral. Consult a funeral home and check your state's requirement.
4. Don't Feel Guilty
Many funeral homes take advantage of the family's vulnerability. In other words, they attempt to "up sale" the family and persuade them to spend a lot of money. Funeral homes may showcase expensive coffins, and make the family feel guilty for not spending more money. Don't fall for their tactic. Choose funeral arrangements that fit comfortably within your budget. If you feel pressured or manipulated, select another funeral home.
5. Cremation
Today, more and more people are choosing cremation over burial. Cremations are simpler, and cost considerably less than a burial. This way, the family doesn't have to worry about purchasing a coffin or burial lot. The majority of funeral homes perform cremations, and the family may receive the ashes. The procedure generally costs less than $1,000. Even if a body is cremated, the family may still arrange a funeral. However, the body is not available for viewing.
