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    • DaveCB
    • By DaveCB 3rd Sep 18, 6:41 AM
    • 1Posts
    • 0Thanks
    DaveCB
    Funeral Plan alternative
    • #1
    • 3rd Sep 18, 6:41 AM
    Funeral Plan alternative 3rd Sep 18 at 6:41 AM
    Hi All,
    Sorry if this question has already been posted but if it has I cant find it.
    I'm 53 and am now having to consider planning for my funeral, but the problem is I just cant get myself motivated with the plans currently available, where the pay out is less than you pay in.
    Anybody know of any alternative plans or schemes that provide better pay-out?
    Thanks in advance
Page 1
    • Browntoa
    • By Browntoa 3rd Sep 18, 6:55 AM
    • 34,072 Posts
    • 40,191 Thanks
    Browntoa
    • #2
    • 3rd Sep 18, 6:55 AM
    • #2
    • 3rd Sep 18, 6:55 AM
    Good old fashioned savings account
    I'm the Board Guide of the Referrers ,Telephones, Pensions , Shop Don't drop ,over 50's , Boost your income and Discount Code boards which means I volunteer to help get your forum questions answered and keep the forum runnning smoothly .However, please remember, board guides don't read every post. If you spot an inappropriate or illegal post please report it to forumteam@moneysavingexpert.com Any views are mine and not the official line of MoneySavingExpert.
    • luvchocolate
    • By luvchocolate 3rd Sep 18, 8:56 AM
    • 1,686 Posts
    • 1,522 Thanks
    luvchocolate
    • #3
    • 3rd Sep 18, 8:56 AM
    • #3
    • 3rd Sep 18, 8:56 AM
    I have just paid for mine with the co op they are the only ones to include all third party payments.
    • itude
    • By itude 5th Sep 18, 1:09 PM
    • 4 Posts
    • 1 Thanks
    itude
    • #4
    • 5th Sep 18, 1:09 PM
    • #4
    • 5th Sep 18, 1:09 PM
    What is reasonable price to pay for a plan which has no frills such as Limousines, but all other costs ( obviously not wakes and ob columns)
    • luvchocolate
    • By luvchocolate 6th Sep 18, 10:30 AM
    • 1,686 Posts
    • 1,522 Thanks
    luvchocolate
    • #5
    • 6th Sep 18, 10:30 AM
    • #5
    • 6th Sep 18, 10:30 AM
    Simple funeral with the co op cost me 2845.
    Look up all pre paid funerals online will give you the prices
    • tacpot12
    • By tacpot12 6th Sep 18, 12:00 PM
    • 1,686 Posts
    • 1,426 Thanks
    tacpot12
    • #6
    • 6th Sep 18, 12:00 PM
    • #6
    • 6th Sep 18, 12:00 PM
    I would save into a regular savings account and specify in your will that your funeral must cost no more than is in that account. :-)
    • venison
    • By venison 12th Oct 18, 11:15 PM
    • 2,614 Posts
    • 2,985 Thanks
    venison
    • #7
    • 12th Oct 18, 11:15 PM
    • #7
    • 12th Oct 18, 11:15 PM
    Simple funeral with the co op cost me 2845.
    Look up all pre paid funerals online will give you the prices
    Originally posted by luvchocolate
    Ive seen the co-op advertising simple funeral for 1995 recently.
    Looking forward to 2019 after a terrible 2018...onwards and upwards
    • wymondham
    • By wymondham 22nd Oct 18, 4:40 PM
    • 5,268 Posts
    • 9,509 Thanks
    wymondham
    • #8
    • 22nd Oct 18, 4:40 PM
    • #8
    • 22nd Oct 18, 4:40 PM
    These all seem expensive. Can I opt to be put in the brown bin for recycling? we pay 30 a year for that.. seriously, something has got to be done with the cost of funerals...
    • Robin9
    • By Robin9 22nd Oct 18, 5:33 PM
    • 3,379 Posts
    • 2,197 Thanks
    Robin9
    • #9
    • 22nd Oct 18, 5:33 PM
    • #9
    • 22nd Oct 18, 5:33 PM
    If you were to die tomorrow would there be enough cash - at bank, building society, life insurance, premium bonds - to pay for your funeral ?

    If so IMO don't bother with a Savings Plan.

    If not - paying for your funeral isn't going to be your problem anyway. I appreciate that many people, perhaps including yourself, don't want to pass any problem to your family.
    Never pay on an estimated bill
    • agrinnall
    • By agrinnall 22nd Oct 18, 6:25 PM
    • 21,720 Posts
    • 17,592 Thanks
    agrinnall
    Do what I've done and contact your local medical school's anatomy department to leave your body to them for students to play Operation (TM) with after you die - if they take it then they pay for cremation after the students have finished with it.
    • Owain Moneysaver
    • By Owain Moneysaver 22nd Oct 18, 7:51 PM
    • 8,956 Posts
    • 10,387 Thanks
    Owain Moneysaver
    Information at
    https://www.hta.gov.uk/donating-your-body

    Note you usually have to die within the local area of an accepting medical school, not of any nasty diseases, and preferably Mon-Fri during office hours :-)
    A kind word lasts a minute, a skelped erse is sair for a day.
    • tealady
    • By tealady 28th Oct 18, 8:02 AM
    • 2,910 Posts
    • 3,619 Thanks
    tealady
    I told my executor (and main beneficiaŕy) that my house is my funeral plan so the more they spend on that, the less there is for them.
    Hopefully this means I will get what I really want (that is the cheapest possible)
    Proud to be an MSE nerd
    Judge people by their achievements, not by their mistakes
    • agrinnall
    • By agrinnall 28th Oct 18, 9:15 AM
    • 21,720 Posts
    • 17,592 Thanks
    agrinnall
    I told my executor (and main beneficiaŕy) that my house is my funeral plan so the more they spend on that, the less there is for them.
    Hopefully this means I will get what I really want (that is the cheapest possible)
    Originally posted by tealady

    Does your executor have the money themselves to pay for your funeral? Because that will have to happen long before they can get any money from the sale of your house. And of course there's no saying what will happen in the future so there may be no house to sell at that point if you've had to go into care.
    • DigForVictory
    • By DigForVictory 28th Oct 18, 12:10 PM
    • 8,443 Posts
    • 26,625 Thanks
    DigForVictory
    M'father in law said to leave him for the bin - and his wife & daughter promptly disobeyed him to the hilt with an everything-short-of-the-kitchen-sink cremation.

    I think it made them happier but I was baffled at how much money was thrown at it.
    • badmemory
    • By badmemory 28th Oct 18, 12:12 PM
    • 2,300 Posts
    • 3,388 Thanks
    badmemory
    I have just paid for mine with the co op they are the only ones to include all third party payments.
    Originally posted by luvchocolate

    I did this too, as did my late mother. The only thing not included in her's were the flowers on the coffin. I am hoping my plan sits there unused for another 20 years at least. But like my will - it is sorted!
    • luvchocolate
    • By luvchocolate 28th Oct 18, 1:24 PM
    • 1,686 Posts
    • 1,522 Thanks
    luvchocolate
    I did this too, as did my late mother. The only thing not included in her's were the flowers on the coffin. I am hoping my plan sits there unused for another 20 years at least. But like my will - it is sorted!
    Originally posted by badmemory
    Mines the same just flowers not included but I am happy to leave that to my Son.
    I have done my will and P.O.A and at 66 years old like you hope I have many years left!
    • Bonbon
    • By Bonbon 28th Oct 18, 2:30 PM
    • 537 Posts
    • 595 Thanks
    Bonbon
    I've also prepaid mine with the Co op.
    If you join the Co op ( I did it online and it costs 1) then as a member you get 200 off the price of any plan.
    • tealady
    • By tealady 31st Oct 18, 7:49 AM
    • 2,910 Posts
    • 3,619 Thanks
    tealady
    Does your executor have the money themselves to pay for your funeral? Because that will have to happen long before they can get any money from the sale of your house. And of course there's no saying what will happen in the future so there may be no house to sell at that point if you've had to go into care.
    Originally posted by agrinnall
    If there is no money then they can refuse the responsibility.
    Then the taxpayers will have to get rid of me.
    I won't be around to care either way.
    Proud to be an MSE nerd
    Judge people by their achievements, not by their mistakes
    • missile
    • By missile 31st Oct 18, 9:43 AM
    • 9,834 Posts
    • 4,955 Thanks
    missile
    Information at
    https://www.hta.gov.uk/donating-your-body

    Note you usually have to die within the local area of an accepting medical school, not of any nasty diseases, and preferably Mon-Fri during office hours :-)
    Originally posted by Owain Moneysaver
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home
    • Owain Moneysaver
    • By Owain Moneysaver 31st Oct 18, 2:07 PM
    • 8,956 Posts
    • 10,387 Thanks
    Owain Moneysaver
    Originally posted by missile
    If, however, the death occurs at home or in a nursing home, it would be advisable to turn off all heating where the body lies and open a window if possible.

    Unfortunately we are unable to accepts bequests during the major public holidays at Christmas and New Year, as the university closes down over this period. During these times next-of-kin are advised to make their own funeral arrangements.
    https://www.ed.ac.uk/biomedical-sciences/anatomy/bodydonation/notification
    A kind word lasts a minute, a skelped erse is sair for a day.
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