Regarding keeping costs down, it is possible to have an ‘out of hours’ cremation relatively cheaply. There is a company that specializes in collecting the body of the departed, supplying a coffin and delivering to a crematoium where the cremation would take place at some time early in the morning or if there is a space between other funerals (with no family or friends present). You can then collect the ashes a few days later. This costs just under £700. Then after the ashes become available the family could have a gathering (with the urn present or not) before scattering the ashes in the chosen place (there could be a cost for that depending on where it is done). Don’t be fooled into thinking a green funeral or cardboard or other eco coffin would be cheaper - they are all more expensive than the standard coffin which is up to £200. If you want catering, the family can do their own or use friends to help, likewise, if there is a service, family members and/or friends can choose the service and make their own hymn or service sheets to hand out, provide the music, and do the readings/tributes. If numbers are small this could be done at home, or a local hall could be hired. Flowers can be picked from a family garden or bought at a supermarket and tied with a bow. If you want a church service the fees are set by the diocese. The cost of a burial plot, gravedigger and council fees are set and cannot be reduced. If the deceased owned a house and there is no other money the undertaker will wait for his fee until it is sold ( assuming there is no spouse to continue living there). If the deceased has money in the bank, the bank is allowed to use it to pay the undertaker. If you have absolutely nothing you can get a grant from the DWP, no more than about £1,400, to cover burial or crematorium with no trimmings. It is best to be up front with the undertaker as to what you can afford and he will probably do the best he can. Small family undertakers are usually more flexible than the well -known chains, and some may let you pay the cost by instalments, expecially in rural areas where people know each other.