If you have ever organised a funeral you will already know how expensive they are and how easy it is for costs to run out of control.
Even if you start with a budget and good intentions it's easy to get drawn in with all the extras. After all you are taking care of a loved one and why shouldn't they have the best.
In our experience people often go overboard with funerals, they order excessive numbers of cars, an expensive coffin for a cremation, several floral tributes and a very expensive wake afterwards.
Is this really what your loved one would have wanted? Wouldn't they rather have had a simple funeral with people who matter the most rather than creating a show which is going to cost much more than they had budgeted for?
So what can we do to avoid high funeral costs? Well, the first thing to consider is buying a prepaid funeral. No, this isn't at all morbid. In fact it's being very sensible and also having paid up front for your funeral you are automatically setting the the tone for the funeral you want.
There are many different levels of funeral plans, so whether you would like something simple or something more extravagant, the choice is yours, and not the choice of those left behind.
Another thing to consider is that if you don't pre-arrange your funeral, then the costs would be taken from your estate when you pass away before any payments are made to your beneficiaries as indicated your will.
Just imagine, if your family arranged your funeral, they would have to pay the deposit themselves and then ensure that there were sufficient funds from your estate to settle the remaining bill. Then the family would have to fund the funds to pay the bill and the person who signed the funeral sales contract would be personally liable for the debt.
We have seen this happen many times and the sad thing is, that it needn't have.
The benefits of arranging your funeral in advance are that you can express your wishes so that your loved ones don't have to worry about the details. Of course, at this very sad time, this is one thing less they have to worry about.
Also, with the cost being already paid up front, another worry can be ticked off the list. Having prepaid, you would have taken advantage of the prices at the time of taking out the plan rather than the potentially higher costs later on. The only things you would have to consider are the cemetery fees which are at the discretion oft he local authority.
There are so many reasons why you should pre arrange your funeral.