It’s so important for families to be able to talk openly about their thoughts and wishes while we’re able to. While death is yet to make it to dinner-table conversation, it certainly isn’t the taboo subject of yester years.
Admittedly, it can be difficult for many people to know where to start, but trust us, it’s worth it. Having that conversation about your funeral wishes and how it should be paid for will give you a great deal of peace of mind, and will reassure your loved ones now and in the future.
To help you along, we’ve provided this step-by-step guide to broaching the topic with your loved ones and getting a financial plan in action.
1. Address the costs
Many people are shocked by the cost of a funeral today. The average funeral in the UK currently costs £3,897*, and Avalon have estimated the future costs to rise over £6,000 by 2025. With the cost of dying increasing more rapidly than inflation, it’s vital that you and your family have an appropriate plan in place.
As some pre-paid funeral plans guarantee all of the services contained within the plan, fixed at today’s prices, you could save potentially thousands of pounds by acting now.
2. Put pen to paper
If you or your family find it too upsetting to discuss a time when you’re no longer here, then why not write down your thoughts as a starting point? It may be easier for people to read what you have to say, especially if you both have some time afterwards to think about everything before you have a face-to-face conversation.
3. Take advantage of Free Wills Month
Every March and October, a number of charities come together to offer people aged 55+ the chance to have their wills written or updated for free. Not only does a valid will ensure your wishes will be respected, it also avoids potential disputes and legal complications for your loved ones, as everything will be clearly laid out for them.
Tip: Whether you’ve arranging a new will or updating your existing one, use it as an opportunity to discuss your wishes with those closest to you, both for your estate when you pass away and for your funeral.
4. Plan a funeral as unique as you are
Making a point to discuss your ideas for the celebration of your life will help to ensure that every detail on the day will reflect your unique personality. If you hear your favourite song playing on the radio or TV then use that as an opportunity to start the conversation by saying “That’s the song I want to have playing at my funeral, I’ve always loved it!”
Without telling them your wishes, your loved ones will never know whether you want a luxury casket fashioned from solid oak or one of the new eco-coffins constructed entirely from wicker, 70’s disco music playing or the reception in your favourite pub, sports club or cocktail bar!