It’s easy for funeral costs to go beyond what you can comfortably afford when arranging a funeral for a loved one. You will feel a certain amount of pressure to get everything right, even if it’s not entirely clear what ‘getting it right’ looks like.
It might feel like it’s disrespectful to tighten the purse strings on a loved one’s final farewell, but being realistic about what you can afford is essential as this will allow you to focus on your grief without worrying how to pay bills or repay a debt.
Fortunately, there are many ways you can keep the costs down and stay within your budget, however big or small it might be. It is possible to organise funerals on a budget without compromising care, respect, and expression.
Traditional funerals are expensive. SunLife’s Cost of Dying report 2024 says that the cost of a basic funeral has risen to £4,141, up by 4.7% compared to 2022. The amount of money spent has absolutely no bearing on how personal and special a farewell feels. Choosing a budget funeral in the UK can be a responsible and satisfying option.
Funeral costs can vary considerably, depending on the type of service you choose and whether there are any extras. For example, the difference between burial and cremation is significant.
There are many reasons why you might want or need to choose a budget funeral. The deceased might not have set aside enough money, for example, in which case it’s down to the family to cover the cost.
On the other hand, it might be the wish of the deceased that their send-off costs as little money as possible. This might be because they don’t want any fuss or because they want to avoid creating financial stress for their loved ones when they pass away.
A low-cost funeral doesn’t have to be second best. There are several low-cost and customisable options available that can make a ceremony feel personal. One way to lower the cost is to focus more on a memorial service held separately from the cremation.
Whatever you decide to do, what matters most is that you’re able to gather with family and friends to honour a loved-one’s memory.
Budget funeral costs can vary greatly. The total cost depends on the type of service you choose and what extra elements you want to include. You can break down the cost of a funeral into three sections: essential costs, professional fees, and money spent on a send-off.
Basic costs include funeral directors’ fees for collection and care of the deceased, doctors’ fees, and the burial or cremation fees. Professional fees include the use of funeral director vehicles, premises and staff, using clergy or a celebrant to draft and lead the service. Additional costs include a memorial, catering, venue hire, flowers, order sheet/service cards and any newspaper announcements about the death.
There are certain factors of a funeral that you can’t change. But there are things you can decide on as a family that will impact the overall cost. Some of the most expensive elements of a funeral include:
When you’re planning a funeral on a budget and want to keep the cost of your loved one’s funeral low, it’s crucial to find the right balance between essential costs and additional elements.
A good funeral director can provide many valuable services. If you’ve never organised a funeral before, they can offer expert guidance but will charge a fee for their services. However, it’s up to you how involved the funeral director is in the process and what arrangements you choose to make.
Pure Cremation can take care of the necessary, legal arrangements at a low cost. Saving money on funeral costs leaves you free to create a separate farewell event that’s right for your family.
What you choose to do with the body of a loved one is often the most significant factor in terms of low budget funeral costs. There are many types of funeral services and ceremony options that involve less formal elements.
A direct cremation is a distinct alternative to having a traditional funeral and can save you as much as 60% (Source: SunLife’s Cost of Dying report 2024). Direct cremation offers greater financial control and flexibility over how you choose to say goodbye. Providers of this type of service provide a basic coffin, simple and dignified care of the deceased (with no viewing), and transport to the cremation which takes place at a time, date, and venue of their choosing without mourners in attendance or a funeral service at that time.
A simple cremation includes the care of the deceased, transport to the crematorium, and a celebrant-led service. To keep costs to a minimum, the hearse, limousines, and pallbearers are omitted, with the coffin placed in the crematorium chapel before mourners arrive.
DIY stands for Do It Yourself, but think of it more as a Direct It Yourself funeral. With this type of ceremony, you get to choose the arrangements, enlist the help of professionals if you think it’s necessary, and put together a unique and personal farewell for your loved one.
This could mean caring for the deceased at home until the day of the funeral, purchasing your own coffin, completing the paperwork yourself, transporting the deceased to the crematorium or cemetery in an estate car and having a service led by a family member or friend.
An eco-burial is an environmentally-friendly alternative to a traditional funeral service. The primary considerations are earth preservation and carbon footprint reduction. Elements might include biodegradable urns, burial shrouds, woodland burial sites, eco-friendly coffins, and alternative transportation.
The most effective way to ensure that an eco-burial is indeed low cost is to combine this with a more DIY approach.
It’s not uncommon for people to rush into choosing a funeral provider. Often, a family will pick one that’s local. Unless you have specific cultural or religious requirements, it’s essential to understand that there’s no rush.
The cost and range of services offered by funeral providers varies considerably so don’t be afraid to take your time and choose the best one for your needs. Time spent researching your options, comparing funeral providers, reading reviews and checking prices is very worthwhile.
It’s important to remember that funerals are customisable, so you can choose what you want within your budget. There are some easy ways to cut the costs when planning a funeral.
It is possible to cut back on costs whilst also respecting the wishes of your loved one.
A funeral plan is an excellent way to keep costs low. It’s a way of paying upfront for your funeral, so your relatives don’t have to cover the costs themselves in the future.
You can choose a plan that covers the essentials needed for a simple burial or cremation service, but this won’t include extras such as flowers, venue hire and catering for the wake.
If you’d like to know more about how to organise a funeral, then give us a call.