Blog | Sytsema Funeral & Cremation Services

Control Funeral Costs by Planning Ahead

Pre-planning your funeral in advance How does planning for your funeral in advance save you money? Doesn’t it just let the funeral home make money on your money? How big a part should emotion play in your funeral selections?

First, let’s be honest. Emotion is not a bad thing. Some life events should move us emotionally. Marriage, birth, and death all appropriately tug at our heartstrings. But the cost of all three can also get out of hand if you make all the decisions when emotions are running high. Put the word “wedding” in front of anything and the cost doubles. If you’ve ever planned a wedding you know that the dress will cost you half as much if you buy it in far in advance instead of just before you need it. The same is true of funerals.

When you and your spouse sit down together with the funeral director, well in advance, you’ll feel a little emotion as you consider the reality of your death.

But that little tug is nothing compared to what your husband or wife will feel if you don’t prepare in advance and they’re making those decisions alone hours after you’ve died. Emotional overspending happens. Funeral directors don’t make it happen. In fact, they don’t like it either.

Advance planning allows you to make all the decisions that determine the final cost. Making them together with cool heads and warm hearts saves dollars. Planning ahead eliminates the excessive spending that can occur when someone is in a heightened emotional state.

Think back to wedding planning. Starting early can also help you absorb the cost over a longer period of time. That means you don’t drag the wedding debt into your brand new marriage.

When you plan your funeral in advance, you will also have the option of paying for it over time. That means you don’t have to take money from your savings or investments and your survivors won’t have the financial burden of paying for your funeral days after your passing. Advance planning eliminates the need for a lump sum payment when death occurs.

All money set aside in advance for a funeral should be held with a third party. Nearly all funeral homes participate in programs that hold the dollars in either insurance or a trust product until the death occurs.

The funeral home should not have access to your funds and the insurance products they use should have an increasing death benefit to help offset inflation, providing a cushion for increasing funeral costs.

Consult with an advance planning specialist for more details.

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How to Dress for a Funeral

What you wear to a funeral is less important than being there

First, understand that what you wear to the funeral is much less important than actually going to the funeral or gathering. Don’t underestimate the value of your presence.

Your kind words, shared stories, or even just a hug will mean a great deal to friends and family when there has been a death. Don’t let not having a pair of dress shoes keep you from offering your support.

That being said, what you wear depends on several different factors. The first thing to consider is who died.

If your 80-year-old grandfather passed, the funeral is likely to be more traditional. His older friends will attend, so you will want to be more conservative.

A pair of slacks and a collared shirt for men and boys will do nicely. If you own a sport coat, by all means wear it. A tie with or without the jacket would be a nice, but not a required, addition.

For the ladies and girls, dress slacks and a nice sweater or blouse will serve the purpose. A dress or skirt would also be lovely. Do pay attention to necklines and length of the skirt.

When the funeral is for a younger person or will not be faith based, it may be more informal.

A celebration of life is typically more relaxed and may even have a theme that the family will ask attendees to support. So if you’re asked to wear golf attire to the funeral of an avid golfer, don’t be surprised.

Like the dress code for most events today, what we wear to a funeral has relaxed. Black is no longer required, but neat, clean, and subdued are always in good taste.

A funeral is not a place to stand out or be the center of attention. As you survey your wardrobe, think in terms of what you would wear to an important job interview or something you would want to wear to apply in person for a bank loan.

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How to Say the Right Thing at a Funeral

First, take a deep breath and relax. We all worry that we’ll say the wrong thing.

Second, know that you don’t have to be eloquent. While we wish it were so, you can’t make everything all better with a few words.

Here are a few simple ideas to keep in mind to be sure you say the right thing when attending a funeral.

Don’t underestimate the power of your presence.

It’s important. Just being there says more than you can know.

Keep your words simple.

“I’m sorry for your loss” may be all that is needed.

Share your story.

If you have a brief anecdote about how you interacted with the deceased, share it. Knowing how her sister lit up her workplace may just be the most comforting thing a mourner can hear.

Use deceased person’s name.

“Mary always made me laugh.” “John had the longest drive, too bad it wasn’t always straight.” “We always knew when Big Bad Byron was in the plant, everyone was on their toes.” “Nobody made better chocolate chip cookies than your mother.”

Avoid using common platitudes.

Resist the temptation to tell the bereaved how they must feel — “grateful that he is in a better place,” “relieved that his suffering is over,” “grateful for a long life,” etc.

We don’t know how that wife, husband, mother, son, or daughter actually feels. Just say you’re sorry for their loss.

Let them tell you how they feel and accept it with a nod or hug.

Don’t forget about listening.

Listen to understand, not just to hear. Listen to show you care, not to judge. Listen with love, even when you’ve heard the story before.

What to Expect at a Funeral

We’ve all been there. Going to a funeral can be a little daunting, especially if it’s your first or if it’s been awhile since you attended one. Let’s talk a little bit about some of the terms you will hear and what you can expect in general. Continue reading What to Expect at a Funeral

What Do Funeral Directors Do?

It’s late, why is the light on at the funeral home?

Today, there was a funeral. People cried. Tissues were crumpled and left on the tables. Flower petals fell to the floor. Now, the cleaning staff is making things tidy for the family who will be here tomorrow.

It’s late, why is the light on at the funeral home?

Continue reading What Do Funeral Directors Do?