Blog | Sytsema Funeral & Cremation Services

How Much Do Funerals Cost?

How much does a funeral cost? For most of us, one of the first questions think of when we think we need a funeral home soon is, “How much will it cost?” It’s understandable that everyone wants a simple answer to this question. Unfortunately, there is no one simple answer.

Think of the last time you bought a pair of shoes. It’s not really helpful to know that the average cost of a pair of shoes is $75.00. So, what does an “average” pair of shoes look like? Shoes come in many different sizes, colors and styles. You wouldn’t expect to call the shoe store and ask, “How much does a pair of shoes cost?” Everyone needs some help finding the right fit for his or her feet. You also understand that you’ll need to share more information about the kind of shoe you are seeking before you find the cost.

It’s the same with funerals. The funeral you choose will need to fit your family’s needs as well as your budget. The funeral director will help you with both. You will be pleased to know funeral homes are required to have standardized prices for everything they do. This price list must be printed and available for you. You should also take comfort in knowing there will be a range of prices associated with the choices you will be making. The funeral director wants you to be satisfied with both the service you select and with the costs associated with those services.

As soon as you are able, it is a good idea to call the funeral home and ask to set up a time to meet with a funeral director to review your options and prices. There should be no cost for this meeting. This is the best way to assure that you understand what is involved with the various services so that you can get the best value for your dollar. You can schedule this kind of meeting with as many funeral homes as you desire.

At first, this may seem like a lot of work. The reality is, however, that you’ll obtain far more information by meeting with the funeral director versus searching online or making phone calls. You’ll save time, too. Don’t wait to set up that meeting if you think you’ll need a funeral home soon.

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Funerals are for Saints and Sinners

Funerals are for saints and sinners These days we’re hearing a lot about life celebrations. A funeral is a ceremony for someone who has died and the survivors. A celebration of life is a funeral with a celebratory feel and it may or may not have a faith-based component. Celebrating the life of the accomplished, the kind, and the generous feels natural. It feels like something we should do.

On the other hand, what do we do about the “broken” people? The bullies, the addicted, the angry, or those who just never got it all together. What do we do when they die? Most of us have one or more imperfect people in our immediate circle.

The loss of one of these folks is real and it hurts. Because they are gone, our lives will not be the same. We may be relieved of a burden, but we are also without hope. The hope that we will get a hug or a kind word is gone. The hope that a child will get sober and realize the potential you knew was there is gone. The hope that we will hear “I’m sorry” or understand the reason behind the addiction, the anger, or the hatred is now gone. It’s painful. Someone we love has died. Having a funeral will help.

It can be hard to know just what to do when “celebration” doesn’t feel right. This may be especially true if a faith-based service does not feel like the right fit. Ask your funeral director for help. There are funeral celebrants who are not attached to a church who can help you find the right fit. Your funeral director can help you find the right person.

Funerals are always for the survivors. Regardless of how the deceased spent their time on this earth, survivors need to gather with each other and their friends. Everyone needs to share in a safe place. All survivors grieve. We all need the opportunity to begin our grief journey in a healthy way. A funeral, a ceremony for someone who has died, is the beginning of that journey.

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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.