Budget Funeral: How to Plan and Save Money

‘Budget funeral’ is fast becoming a popular term. The average cost of funerals has increased by 130% in the last 15 years, but people are beginning to see ways to ensure they receive the send-off they want at a price they can afford.

Traditional funerals with all the ceremonial elements can be expensive, and it’s easy to overspend when planning a funeral for a loved one. A pre-paid funeral plan is a simple, practical way of planning a budget funeral and allows you to organise and pay for your funeral in advance, so your friends and family don’t have to. 

budget funeral

It also enables you to lock in the Funeral Director’s services at today’s prices. With the rising costs of funerals, this protects against future increases and could represent a significant saving in the long-term.

For those planning a budget funeral, a direct cremation can help reduce costs. There is no funeral service; your loved one is simply taken directly to the crematorium and their ashes returned to the family.  

Also, you might consider a basic funeral package that includes all the essential services; while this comprises a simple service, there tends to be less flexibility. 

Cutting back on non-essentials like flowers and limousines can also help when on a budget, as can simplifying the coffin and holding the wake at home.

Capital Life has a wide range of funeral plans to suit anyone planning a budget funeral, from a modest cremation to a more elaborate funeral. The Simple Plan is the most affordable, ideal for anyone wanting to avoid the fuss of a funeral service, while the Ceremonial Plan might be more suitable for those wanting a more traditional funeral.

Each plan can be personalised and there is a range of payment options to help fit into your budget, including 12 monthly instalments, a single lump sum, or smaller, more affordable monthly payments. 

To see how Capital Life can help if you are considering planning a budget funeral contact one of our specialist Funeral Advisors or call us on 0800 411 8688.