What if You Can’t Afford a Funeral for Your Loved One? Here are Five Important Things to Know

By: Batchelor Brothers Funeral Services
Friday, November 19, 2021

When a loved one passes away, it’s understandable to want to send them off in the most respectful and loving way possible.

A funeral service helps you to pay tribute to the departed and can be important to the healing process, too. Although an elaborate funeral may match your outsized feelings for the one who passed on, it may not be realistic for your financial situation. You may find that you can’t afford funeral or burial services at all. If so, there are options for you to consider.

Below are five things to know when you can’t afford a funeral for your loved one.

You are not alone.

A 2019 study by the Funeral and Memorial Information Council found that 69% of adults over the age of 40 indicated they would like to pre-arrange their own service, but only 17% had actually made arrangements. The reasons can vary from reluctance to face death, insufficient funds, or simply a lack of follow-through. Funerals in the United States generally cost between $7,000 and $12,000, a price tag that many people find surprising.

Be upfront about the situation.

If you have no money for funeral expenses, be honest with yourself. Taking on the costs of a funeral you can’t afford can cause you emotional stress and financial hardship. Review your finances and the finances of the departed to see if what is feasible. Discuss your options with your funeral home. By law, you must be provided with a pricing list during your appointment. Let the funeral director know about your budget from the start so they can present the most feasible options.

You can ask for help.

Often, there is a wealth of love and support following a death. Reach out to trusted family and friends about your situation. If you can’t afford a funeral on your own, say so and be clear with family and friends about what you will need in terms of financial support. If you are uncomfortable asking for financial assistance, assign this task to someone else in your inner circle. Crowd-sourcing for donations online has become increasingly popular. When you have no money for funeral expenses, small donations from your loved one’s church community, neighbors, friends, and relatives can add up and help you to cover costs. This type of fundraising can be particularly helpful if the loss was sudden or unexpected.

The bank may be able to loan you the money.

If you are seeking a particular type of funeral and/or burial for your loved one and have good credit, you can work with your bank or credit union to secure a personal loan. A loan can help you afford a funeral now and pay it off later. Be sure that you can reasonably afford to repay the loan, as interest rates over time can add significantly to the cost.

You have options.

Just like people, no two funerals are alike. How much you spend does not correlate to the person’s worth or the size of your love for them. There are a variety of ways for you to be creative without making the funeral or memorial service feel cheap. The cost varies greatly and there are many funeral options to choose from, such as full/traditional service; graveside service; viewing service; visitation service; wake; memorial service/celebration of life. You can keep the costs down by opting for a green burial, cremation, considering a whole-body donation, or selecting an affordable casket or urn. If you simply can’t afford burial services, your county coroner’s office should be able to help with a state cremation or burial.

There is no one best way to pay for a funeral. If you are left with the planning but aren’t able to afford a funeral, you do have options. Explore the suggestions above and keep in mind that your love for the departed is measured by much more than the type of funeral service that you have for them.

If you would like to learn more about funeral pre-planning, end-of-life planning, or how to afford a loved one’s funeral, please reach out to us. One of our knowledgeable and caring team members is always available to discuss your unique situation.

About Batchelor Brothers Funeral Services: As a leading African American-owned and operated funeral and cremation organization, Batchelor Brothers Funeral Services has provided a ministry of care to thousands of grieving families. We promise to provide our highest level of distinguished service and respect to families who entrust us to honor their loved ones. In all aspects of the funeral process, we strive to be the absolute best and are honored to help preserve our clients’ legacies for future generations. With two convenient locations serving North and West Philadelphia, it is always our pleasure to be of service. Please visit our website for more information.

Leave a comment
Name*:
Email:
Comment*:
Please enter the numbers and letters you see in the image. Note that the case of the letters entered matters.

Comments

Please wait

Previous Posts

Black History Month: Six Fascinating Facts Everyone Should Know

Black History Month is an important annual celebration of achievements by African Americans. In the United States, Black History Month is observed in February to recognize the innumerable key cont...

During Cold and Flu Season, Follow These Smart Ways to Stay Healthy

When everyone around you is sick, staying healthy can be a challenge. Fortunately, there are steps you can take to protect yourself and your loved ones. The Centers for Disease Control and Prevent...

Coffin or Casket? Six Considerations to Help you Choose the Right Memorial Product

The choice of a coffin or casket should not be taken lightly. While these terms are often used interchangeably, they have some notable differences. Caskets and coffins both serve as burial contain...

Hosting a Reception after the Funeral? Follow These Six Helpful Guidelines

Hosting a reception after the funeral of a loved one presents an opportunity to demonstrate your enduring affection. The funeral reception gives mourners the chance to support each other, share fo...

Six Proven Ways to Calm Anxiety and Ease Stress

As stress levels rise, so does the need for self-care. Having effective ways to calm anxiety becomes even more essential amid challenging times. We all feel anxious from time to time. That sense o...

Coins on a Headstone Hold Special Meaning. Here’s Why.

Have you ever seen coins on a headstone? Leaving signs of remembrance on graves is a long-held tradition. While flowers are the most common grave decoration, they aren’t the only way to pay tribut...

Four Things You Need to Know If You are a Pallbearer or Honorary Pallbearer

The role of pallbearer or honorary pallbearer is both an honor and a great responsibility. The duties primarily consist of helping to carry or accompany the casket throughout a traditional funeral...

Four Essential Things to Know When a Death Occurs Away from Home or Out of Town

When a death occurs away from home or out of town, knowing what to do can greatly ease the burden for you and your loved ones. Today, people spend significant time away from their homes for vacati...

Honoring Your Loved One: Seven Beautiful, Personalized Tributes Using Cremated Ashes

Cremated ashes take on a new meaning when they are utilized creatively to fashion enduring tributes to loved ones who have passed on. Cremation has become the most popular funeral choice for Ameri...

Military Funerals: Six Creative Ideas for Honoring Your Departed Service Member

Transforming ordinary military funerals into highly personalized, meaningful occasions can be deeply healing. When an active-duty service member or veteran passes away, a meaningful final salute i...