Planning for a funeral
What should you know about planning a funeral?
Planning a funeral involves understanding the likely costs, how they are paid for and what options are available if money is a concern. Funeral expenses can vary widely depending on the type of service, and it’s important to ask for a clear, written breakdown of costs before agreeing arrangements.
Payment options may include upfront payment, instalments or prepaid funeral plans, which can help avoid leaving costs to family later. If you’re struggling with funeral expenses or debt after a bereavement, free advice and support are available at Citizens Information to help you manage the cost and prioritise your finances.
How do you choose a funeral director?
Choosing the right funeral director is key.
- Ask for recommendations from someone you trust
- Search online to check the funeral home is reputable
- Many funeral homes are part of a professional association and follow a code of practice
What are the main costs involved?
Costs vary depending on the wishes of the deceased and their family. A funeral director can give you full details, but it helps to know what you need and what your budget is.
Typical costs include:
- Funeral director’s fees
- Coffin or casket
- Embalming
- Funeral parlour or home wake
- Funeral transportation
- Cremation
- Church costs (priest and musicians)
- Florist
- Cemetery or graveyard plot
- Food and drink after the funeral
- Memorial cards
Prices depend on the type and size of service and your location. Some funeral directors display their prices online.
What other costs should you consider?
- Headstones are usually not included in funeral costs
- Death notices in newspapers or on radio can add to costs – online alternatives may be cheaper or free
- Costs may vary depending on location and timing (e.g. rural vs. city, weekends or bank holidays)
What is the payment process?
Be specific about what you want included. Ask for:
- A written estimate of the total cost
- A breakdown of each item
Funeral homes may offer:
- Lump sum payments
- Instalment plans – check the amount, interest, and payment timeframe
If you are experiencing financial difficulties following a bereavement or a funeral, you can get advice from your local Money Advice and Budgeting Service (MABS). MABS is a free, confidential, independent service staffed by trained money advisers. Contact details are available in your local telephone directory or on the MABS website.
Can you plan your own funeral?
Yes, a prepaid funeral plan lets you pay in advance and removes the financial burden from your family.
Important:
- Cancellation may involve a fee. Check the terms and conditions
- Share your wishes in writing with family and your solicitor. Keep a written copy
- Don’t include funeral preferences in your will, as it may not be read until after the funeral
You could also consider a life insurance policy (go to our life insurance page) to cover funeral expenses.
What if you’re in debt after paying for a funeral?
If you’re struggling to meet bills or repayments, prioritise what you pay.
- If you’re in or at risk of mortgage arrears, read our guidance
- If you have credit card debt, learn how to tackle it
- Use our debt action plan to prioritise and plan your next steps
Go to Citizens Information for supports following a death for families.
