advance funeral plan

Buy Your Time Against Funeral Poverty

To organise a burial for a spouse, a close family member or friend, can be a very difficult time for family. Is also an extremely expensive outlay, usually arriving at the worst possible time. Although surveys looking at the average cost of a funeral do vary, the University of Bath and Axa suggest that a funeral now costs £3,590 with the expectation that it will rise to £4,489 by the year 2019. Following the recession and the higher expenses for property purchases and university fees, funeral poverty is a phrase being used more often in 2015. The University claims that one in every seven people who had the unfortunate task of organising a funeral during the last four years, completed the task with considerable financial concerns, with an average shortfall of £2,371. This list below shows what a funeral costs in total and how this is broken down into its individual components (figures from Experian) Hearse £200 Mourner’s car £180 Oakleaf coffin £495 Professional services charge £918 Collection of body £127 Wooden cross on grave £46 Notice in newspaper £56 Catering and room hire for wake £400 Church fee £250 Grave digger’s fee £240 Hymn and service sheets £101 Organist £60 Removal and storage of existing headstone £345 Flowers £180 Cemetery fee & headstone inscription £494 Total funeral cost £4,092 From the people in the survey, 42% paid the bills from their savings and investments. 25% borrowed the money from friends and family while an incredible 22% used their credit card to help pay for some of the funeral costs, if not all. Where the finances are available, a prepaid funeral plan can ensure that the cost is fixed, whatever a funeral costs in the future. While providing great peace of mind for those that are left behind, a prepaid funeral allows people to understand what money they have left in their savings and investments. With payments being available monthly across a number of years or as a lump sum, prepaid funeral companies are trying to help individuals from the worries of meeting an extremely large financial bill, in the future. The data used in this article is available from the finance yahoo website. Related articles Why he’s making his own...

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Would You Rent A Coffin For Your Funeral?

Choosing the right coffin is an important element of organising a funeral for you, or someone else. The make, style and cost are all important elements to the person making the decision and how it reflects upon others. Nevertheless, the coffin is going to be burnt or buried under the ground and only available, visually, for a short period of time; so what choices should you make? The range of caskets and coffins available is considerable, with prices from less than £100 to a top of the range model, costing several thousand pounds. Choose From An Undertakers Selection? You do not have to choose a coffin or casket from a selection shown by your undertaker or funeral director. Although you may be completing an emotional purchase at the time of high stress, you still need to consider your budget for the funeral among all the other associated costs at this stage of your life. While carrying out your research, you will need to know the difference between caskets and coffins. A casket is constructed with four sides and the top and the bottom; whereas a coffin is made with six sides and the top and the bottom. A coffin is wider at the shoulder space for the deceased person and slimmer along the leg length. Although the majority of selections are caskets, they are usually known as coffins. Confusing: yes? Worried about appearances? Most people would not wish to be known as cutting corners on the finances, when you choose a coffin. Also, you would not want to be disrespectful to the dead by choosing the cheapest possible model, but would they have minded and are you wasting money by spending more? In the varying price ranges, there is little distinction in the appearances between a rather cheap veneered MDF oak look coffin and the solid oak version which will cost you at least six times as much. By spending less money on the coffin, most people won’t be able to tell the difference. Going green? Rather than contributing to the cutting down of a forest, you can choose wood that has been carefully selected from a managed forest, where the wood content is constantly assessed and new trees grown in the area. Alternatively, you can choose bamboo, willow or a cardboard coffin. Not all of these will necessarily be the cheapest coffin that you can purchase, but you...

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Who Cares for the Carer?

Caring for a loved one or a close friend is vitally important for a loved one or a close friend, but what happens when you need help or care for yourself, either for just a few days or for a much longer period? The helpful people over at alzheimers.org explain the potential sets of circumstances very clearly, providing tips to help everyone through those demanding times. Where the carer receives no respite from providing care, day in day out, 24/7, there is an obvious health implication for the person providing the care. Care is provided for and by people of all ages with a wide range of different disabilities. Respite care is provided over a short-term period to provide a temporary alternative to the standard arrangements in place. Where you have been successfully caring for someone with dementia, there is a need for a break from the care activities so that your batteries can be recharged.   It is perfectly normal for a carer to feel guilty if they have to leave the person they are caring for, alone for any period of time, but you are not helping the individual that requires the care when your tasks make you ill. For the patient’s benefit, they will probably prefer to stay in familiar surroundings, rather than moving somewhere else, temporarily. The individual may not be able to understand, completely, why they are moving elsewhere, and whether they will return in a short period of time. This confusion can add to the anxiety of both carer and patient. The website offers a number of tips to help individuals avoid distress, such as; Avoid discussing arrangements too far ahead of the planned date. When the time comes, talk about the break in the context of a ‘little holiday’ and be positive in your explanation. Reassure the person with dementia that they will be well cared for and that they will be coming home again. Remember that any insecurity or uncertainty you show may cause the person with dementia to feel afraid, so stay calm and give information in a clear and simple manner. Stress is infectious, but so is calm. Remember that it is not selfish to want or need a rest. There are many sections, on the website, discussing the different ways that care can be provided and how, principally for patients with dementia. In particular, they explain how care at home can be...

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How Emma Freud Manages Her Funerals

Emma Freud (daughter of Clement Freud) is well known in her own right and for being married to the popular screenplay writer and director, Richard Curtis. In this Guardian newspaper and Tatler magazine article (February 2014) , she offers her own views about all there is to plan for, to ensure a funeral is well received. Emma Freud has buried several loved ones. This is her cut-out-and-keep guide to the day, full of tips to help you organise it all, from cars to coffin-toppers to cake Of course, the majority of the 1000 decisions could be put aside by pre-paying your funeral and taking out a pre-paid funeral plan before the event....

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Not All Pre-Paid Funeral Plans Are The Same

From an article on an American television channel, it’s easy to see why a Pre-Paid Funeral Plan purchaser must be presented with an itemised list of what is included within the chosen plan. This ensures that everyone involved knows and understands what they have selected and exactly what they should expect on the day of the funeral. This is the reason why you should only deal with a reputable business that understands that customer service is paramount, especially during an event that is life changing, like a funeral for a loved one, family member or close friend. Here’s the link to show it can all go wrong when you buy a Pre-Paid Funeral Plan, but at least it does appear to have a relatively happy ending, at least from the financial point of view. The key to a successful Pre-Paid Funeral Plan search is to use a business that has thousands of happy customers, years of experience and has sufficient money in its trust funds to cover all future funeral plan expectations, therefore removing the need to try and bend corners or break contracts. When you need help in searching for the right plan for you, a close friend or family relation, we are sure to be able to help you through the entire process, with your complete satisfaction.   Related articles How to Design Your...

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