Saving Money on Funeral Arrangements

Planning a funeral can be emotionally and financially challenging. However, there are several ways to save money on funeral arrangements while still honoring your loved one. Here are some tips to help you keep costs down:

1. Pre-Planning

• Pre-Arrange Services: Consider pre-planning the funeral with a local funeral home. This allows you to lock in prices and make choices ahead of time.
• Comparison Shop: Visit multiple funeral homes to compare prices and services. Some states require funeral homes to provide price lists.

2. Choose a Simple Service

• Opt for a Direct Cremation or Burial: These options typically cost less than traditional funerals that involve viewings and services.
• Limit the Service: Consider a simple memorial service instead of a full funeral service, or hold the service at home or a community center.

3. Caskets and Urns

• Shop Around for Caskets: Many funeral homes mark up the price of caskets. You can shop online or purchase one from a third-party retailer.
• Consider Eco-Friendly Options: These are often less expensive and can be a meaningful choice.

4. Reduce Extras

• Limit Floral Arrangements: Consider using fewer or less expensive flowers or ask friends and family to contribute.
• Avoid Unnecessary Extras: Skip costly items like expensive transportation, programs, or catering.

5. Use Resources

• Veterans Benefits: If the deceased was a veteran, they may be eligible for burial benefits, including a burial site and grave marker.
• Social Security Death Benefits: Check eligibility for death benefits that can help offset funeral costs.

6. DIY Options

• Plan Your Own Service: Instead of hiring a funeral director to run the service, consider having a family member or friend lead it.
• Create Your Own Obituary: Write and publish an obituary yourself to save on costs.

7. Funeral Payment Plans: Some funeral homes offer payment plans that allow you to pay in installments rather than upfront.

8. Look for Community Resources: Some organizations offer assistance with funeral costs or provide free or low-cost burial services.

9. Consider Non-Traditional Options: Green burials can be significantly cheaper than traditional methods, using biodegradable materials and less land.

10. Educate Yourself on Rights: The Federal Trade Commission has regulations in place to protect consumers when it comes to funeral services (Funeral Rule). Familiarize yourself with these rights to avoid being upsold.