Preparedness for when

ivyleaf

BigMummaF wrote: »

I feel your frustration Cheap Mum has little blips that can leave her with more confusion than she had before, or other days she is quite lucid. I'm her primary carer & spend almost all the day & always every day, desperately biting my tongue as I answer the same questions for the umpeeth time
It's not as bad as it could be thankfully & for that I am most truly grateful, even if it means prolonged absences from my friends here.

(((((BigMummaF))))) it must be so hard I was in my twenties when I lost my parents, but at least I'm not worrying about them now.

So glad you're okay 1Tonsil/2Tonsils! :-)

BigMummaF

I know it sounds silly, but I've been fortunate to have been spared the emotional trauma of watching a loved one slowly evaporate over many years.

Has anyone done the pre-paid funeral thing? I'm considering it so The Offspring don't have to worry about the cost, more than anything. I have nothing else to bestow so I don't want to leave an horrendous bill either, if I can help it

mardatha

I priced it BMF and it was out of my range.

BigMummaF

Scary isn't it Mar

[Deleted User]

I'm an organ donor, so NOK have instructions to leave disposal to the organ donor people.

If anything happens to prevent me being a donor, I have an insurance policy, which should cover the cremation, which will take place without a service.

If it all goes mammaries above, my NOK have instructions, to leave disposal to the Council/NHS.

bluebag

BigMummaF wrote: »

I know it sounds silly, but I've been fortunate to have been spared the emotional trauma of watching a loved one slowly evaporate over many years.

Has anyone done the pre-paid funeral thing? I'm considering it so The Offspring don't have to worry about the cost, more than anything. I have nothing else to bestow so I don't want to leave an horrendous bill either, if I can help it

I am thinking of doing this too, having sorted out funerals for both parents, I found my mind wasn't firing on all cylinders when I needed to organize the funeral and the estate. Anything that will make that easier for mine is welcome.

bluebag

mardatha wrote: »

I priced it BMF and it was out of my range.

It's crazy expensive even for the most basic of funerals. Really I would be quite happy if they put me in a hazardous waste bag and straight to incineration. They don't seem to have a pre-paid plan for that though somehow.

moneyistooshorttomention

Me...re funerals and paying therefore.

Well, I've made out a Will as to where my worldly goods are to go when I kick the bucket and am just assuming that some funeral director somewhere will wait to be paid his bill until my house (ie where the majority of my money is tied-up) has been sold and the money has been released to pay them out of my estate (ie before it goes in the direction I've left it in) I must admit.

But...am guessing I would be being more exact about it if I had children and/or a hubbie. As I have neither and have correspondingly received one heck of a lot less income from the State over the years....then will confess that my preps on that specific point are totally non-existent.

I couldn't honestly tell you what the position will be on that point come the time as regards myself personally.

My parents do have children/have received non-salary income over the years...but they don't seem to have set aside any money specifically for that come the time...so I'm just assuming that if people with (adult) children haven't made any arrangements and are presumably relying on the money for that coming out of their house being sold, then a childless person can do so all the more...

Softstuff

BigMummaF wrote: »

Has anyone done the pre-paid funeral thing? I'm considering it so The Offspring don't have to worry about the cost, more than anything. I have nothing else to bestow so I don't want to leave an horrendous bill either, if I can help it

My Grandad had one before he passed away about 15 years ago, my Dad had one before he passed away more recently and my Mum has one ready for her.

The big advantage with a prepaid funeral plan comes from buying it as soon as you can, then defying the odds and living a long time after! Because as funerals continue to go up in price dramatically, what you paid when you took it out is all you pay.

Over about an 18 year period, we organised 5 funerals. They were each spaced a few years apart. When we compared the bills over time (all very basic cremations, with a slightly better than bare minimum coffin), the price increases were consistently dramatic. A lot of it comes from increased crematorium fees.

Personally, as soon as I'm old enough (you have to be over a certain age), I'll be looking at a prepaid plan for both of us.

nuatha

A local funeral director will quote for your funeral requirements and guarantee he'll hold that price for 5 years, providing the bill is paid before the funeral.
A retired funeral director I know said it wasn't unusual to be waiting over a year for bills to be paid and sometimes over 3. That's a major business expense and it gets reflected in the prices charged.
The first £1900 of our emergency fund is earmarked to cover a funeral.
When I got quotes for my father in laws funeral the funeral directors who responded (several didn't, apparently its not the done thing to ask for a quote or to tell them exactly what you want) the prices ranged from £1900 to £4675