As I go through looking at what are, unfortunately, the last days of my grandmother’s life, there comes a reality that we, the survivors, have to deal with, that being the financial considerations once the terrible event occurs. Since I’ve been through this before, in a different capacity, I can write on this subject these 5 things you need to know about.

by Stephan Ridgway via Flickr

1. Someone should invest in burial insurance. My dad had it all set beforehand but my wife’s father didn’t. Luckily, his long time lady friend had purchased it years ago on him just in case, so when he passed away she had enough money for his entire funeral.

2. Coffins aren’t cheap. This is something most people don’t think about until they have someone from the funeral home show up. A coffin could run you as much as $10,000, but unless you’re a celebrity you shouldn’t even think about spending that kind of money. Still, you have to go through the list of coffins, which can be mentally tough, and select something you can handle financially. I say it that way because you’re not done.

3. Funerals are expensive as well. If you belonged to a church for a long time and have the funeral there, your expenses won’t be all that high because oftentimes the ladies of the church will cook all the food for free. Still, there will be a minor expense for the services of the person giving the last rites. For everyone else, it’s going to cost you more money than you might think it might.

4. Cemeteries are another cost. The final interment is not only mentally difficult to handle, but it can be costly as well. There are lots of options, such as having them lay flowers down for you at certain times of the year for many different reasons, maintenance fees, and sometimes for special locations you might want.

5. Hire a planner to take care of everything. This is probably the best way to go if you can afford it. You’ll still have to respond to certain things such as picking out the coffin and deciding where you want services to be performed, but the planner takes everything else over from that point so you can concentrate on the guests that will show up to pay their respects.

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