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Legal, pensions and money
Planning our own funeral
(55 Posts)Is it cost effective to pay for my funeral with a funeral plan, just save, or buy premium bonds. I'm not planning to die I'm only 60 so would need to take into account inflation. I just don't want my children to face the same upset myself and siblings did recently over my dads funeral. Sorry for being morbid.
Keep spending Abbey! Until there isn't much left for anyone to squabble over.
I thought executors had a legal obligation to follow what was stated in a will?
I read recently about someone who had her ashes sent up in a firework - going out with a bang so to speak!
I do think about this, although I have not yet done anything other than leave some verbal instructions to my husband to have me burried in the church yard with my parents. I do not want to be cremated. Neither do I want a cheapskate funeral and disposal. ( No doubt I will be bumped off for the dosh anyway, or at least left to die rather than aided to live, such is the way of our society now).
That may sound awful selfish but as a person with no children and who is likely to be a last of a generation I suspect I will be seen more as a meal ticket and cheque book to my likliest remaining relative. I also doubt a charity ( if Ileft my money to them) would want to spend any on me and my funeral.
I doubt many people, if anyone will shed a tear when I die anyway.
I would like a nice funeral in church and a nice coffin and a nice grave and I would even like to leave money to ensure its upkeep ( and that of my husband and parents if needed).
I do not know how you go about doing that.
I am not sure either if you do leave instructions, do they have to be followed,or is it like a will - only if those given charge of the affairs decide to do it? I have heard lots of tales where wills have not been followed because the executors dont do it and probably more where the money gets contested by greedy left over and left out relatives.
Of course you couldsay why does it matter I wont be here, but it does matter to me.
Lyke Wake Dirge for me. I'm sure most people will be glad to see the back of me but at least the music will make them miserable
.
Cardboard coffins.... brilliant. I definitely want one. Why waste good wood?
All the music at my funeral must be by' Queen'... the louder the better!
I`ve already told the kids that they can do it as cheaply as possible, I don`t mind, I won`t know anyway! I don`t even mind a cardboard coffin, if it`s cheap.
This is such an interesting topic. I went to my aunt's funeral a couple of weeks ago and she had organised and paid for all of it some years ago. She was a single lady and the last left of her generation. It was comforting to know that she had the service, coffin and cars that she wanted, also the readings. And of course, saved us making the decisions.
I have been thinking for some years of going to a funeral directors to look around at the coffins and find out what's on offer so to speak, because when one actually needs to choose, the emotions will be too overwhelming to be able to make sensible choices.
Worth looking into pre-paid plans I reckon, though I have no idea as to what they cost.
absent I had hoped that it WAS for an arcane reason[more exciting than a practical reason.]
It's true that funerals are expensive, but if you have savings, or own your own house, then money will come from that as Stansgran says.
I am of the 'surprise me!' camp, when it comes to my own funeral, it doesn't matter to me what happens, be it a quiet church service or the jazz band through the town someone mentioned.I know someone who planned their own funeral down to the last hymn and flower and was then lost at sea [never found.]
If you haven't any money [and your family haven't either] don't worry, they don't leave anyone 'up top' do they?
When you die the cost of the funeral comes out of your estate. Your house will be sold by your heirs to pay. Your estate will earn less if major repairs are needed by the buyers. Mend the roof. Your property will be in good repair and pay for your funeral.
Like Henetha, we started to save for our funerals a few years before hubby retired, but it came to a halt after he retired, it`s now relying on the pitiful amount of interest to make it grow. We think that there`s probably enough for one funeral, and about a third of the cost of another, so our children will have to forego a bit of their shares of our house when sold, in order to pay off the rest. The trouble is, there`s a massive hole appeared in the roof of our garage, the only way we could afford to have it fixed would be to break into that fund, but we are reluctant to do so.
henetha, there is nothing unusual about the cost of the funeral coming out of your estate when it is settled. When my uncle and aunt both died within days, that was the arrangement we came to with the solicitor and the undertaker.
Mum had pre paid for her funeral. She had a willow coffin. I went with her to arrange it. She said no hymns no fuss but I persuaded her to have one hymn. It was such a relief to not have to think about this. The one thing she didn't plan was the music for the carrying in of the coffin. My brother and I found it very hard to decide on this. So can I suggest if you intend planning your own think about all the choices people will need to make if you don't.
DH and I intend doing ours very soon.
I don"t think there is anything wrong about talking about dying and plans
After all we talk about birth!
I find this whole funeral thing quite a dilemma. Some years ago I set aside a 'funeral fund' and have never touched it (probably an inadequate amount by now anyway!) But now that the rest of my savings has almost gone I am SO tempted to tap into the funeral fund and enjoy a couple of decent holidays with it and therefore let my family worry about the cost of my funeral after I've turned up my toes. But is this unfair, I ask myself?
I do have a property which they can sell, but even so....
Any ideas?
Reported. They're certainly out in force this morning.
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Strange this thread has cropped up again..as I have just this minute finished reading about planning/paying/organising etc etc funeral, as we don't have any savings etc and DH has been ill for so long...that although it his a horrible subject I feel I must at least do some reading on the subject. The "gov" website has a lot of info and also "ageuk" has lots of info..but it does seem a frightening and costly aspect of life(death) and when the time does comes..who has time to start reading forms etc etc and trying to think about other things as it must be a very distressing and shocking time even if you were expecting it.Not a good subject but one that we must face wether we like it or not.
A friend who is a lot older and in her early 80's has been making enquiries re donation of body to medical science. This is in London and she did not qualify as she has swollen ankles due to heart problems. I doubt if any of us are the same as we were aged 20. I thought that answer crazy.
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DD1, who is an Independent Celebrant, happened to be in the funeral directors office when they were making arrangements for a 'paupers' funeral for a very old man who had outlived all his family and friends. It IS the environmental health department of the local council who arrange such funerals but the deceased does not go in the skip, but is buried in an unmarked council owned plot in the cemetery (although in this case there is a family grave with one lair left). The coffin supplied is made of MDF, much cheaper, apparently than a cardboard one and the entire burial costs the Council £600 which is mainly the gravediggers costs. Normally, there is no 'service' but DD, saddened by the stark and businesslike arrangements has volunteered to go along and deliver the standard committal service, hoping that an old neighbour or two will appear at the graveside to pay their respects. 
Failing the council skip, I want a cardboard coffin and to be buried upright – not for any arcane reason but because it uses up less space.
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