Some people will tell you that funerals are expensive while others will tell you that they can be budgeted to be affordable. However, estimations vary because of the way that the person goes about performing their calculations. Therefore, today we are discussing how to estimate the cost of a funeral.
The casket is one of the expensive items for a funeral. However, if you are doing a cremation, you donâ€™t have to go with a fancy casket. In addition, you can save money on the casket by ordering from a different retailer, instead of the funeral director. On average families spend about $2,000 on the casket, but it can be more or less depending on the type that you decide to purchase.
Funeral Directorâ€™s Services
On average, it is estimated that funeral director services are $1,500. However, keep in mind that this does not include embalming ($500) or the cost for using the funeral home for the funeral service ($500). The fees spent here can vary because if you are doing a cremation you would not have to pay for funeral service and you also would not need to have your loved one embalmed either. Instead, you would just pay a fee for keeping them refrigerated if you planned to do a viewing of the body before the cremation, but not a funeral service.
Usually, the gravesite costs around $1,000. However, you still have to pay to have the grave dug ($600), the cost of the grave liner ($1,000) and for the headstone ($1,500). Again, all of these fees vary based on where you are burying your loved one, the type of headstone you want, and if a grave is needed at all. If you are cremating your loved one you would just invest in the cost of the urn.
Tips for Estimating the Cost of a Funeral
When trying to estimate how much it is doing to cost to burry your loved one you have to comparison shop. While your loved one may have had some final wishes, it does not mean you have to put yourself in debt to meet them. Shop around as you would with anything else and get the best deals. Also, do not be afraid to negotiate and ask questions that may make funeral directors uncomfortable.
Funeral directors got into this business because they know it is a lucrative field. They will try to offer you as many services as possible so they can profit the maximum amount of money. Usually, they will not tell you certain things that are not mandated by law or even needed for your circumstances.
Lastly, when estimating the cost of a funeral you have to realize that just because one person planned a funeral for $3,000, it does not mean you will be able to do so. Each funeral is uniquely different so you have to do what works best for your familyâ€™s needs and budget. You can also get a good idea by using a burial insurance calculator like the one here.
On average, you should expect to spend $7,000 to $10,000.