The Benefits of Planning Your Own Funeral

On June 24th my mother passed away. It wasn't sudden or surprising. Her health had been steadily failing for some time. But, as I'm discovering, the likelihood of a person's passing doesn't make it any less sad or surreal when it occurs. 

As my sister and I have experienced (and continue to experience) the process of planning a funeral and closing out a loved one's estate, we have had ample opportunity to reflect on a number of things from the spiritual to the intellectual to the temporal. Not surprisingly, one of the things that dominated our thoughts in the days following our mother's passing was how best to remember and celebrater her life. This process is unfortunately, but necessarily, dominated by a vast number of decisions regarding the permanent resting place of a person's remains. 

I think it's natural in such circumstances to think about what you would do, or what you would want done, in a similar situation. I also think that making some decisions in advance, and even taking certain actions, regarding your own funeral and burial, is a gift you can give your loved ones that will bless them tremendously during a very difficult time of their lives. 

While there are a number of things you can do to make your passing a little less stressful for your loved ones, in this post I'm going to focus solely on the benefits of planning your own funeral. 

Easing Your Family's Burdens

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Do you sometimes feel a deep sense of weariness at the end of a long day? If so, you are not alone. Each and every one of us is bombarded on a daily basis by a never-ending stream of decisions about everything from the mundane to the life-changing. The stress that results from this endless mental strain is known as decision fatigue. The more stressed we are, the more difficult it is to make coherent decisions. 

Unfortunately, the death of a loved ones is fraught with decisions - important decisions: decisions about how and where to bury them, decisions about the dispersal of their personal belongings, decisions about the management of their finances and property, and more. At a time when people understandably feel least capable of or inclined to make important decisions, important decisions are demanded of them. 

Making some decisions in advance regarding your own funeral and burial can relieve much of this difficult burden for your loved ones. Here are some of the benefits of planning your own funeral. 

Financial 
Funerals are expensive and fraught with hidden costs. Not all of these costs can be covered in advance, but the big ones like a casket, burial plot, and headstone can be decided upon and paid for anytime. Covering as much of the cost as possible in advance will not only save your family a great deal of money; it will also provide them peace of mind. 

If you are not inclined to purchase your own casket, burial plot, and headstone, consider planning financially for these necessities so that your family will not have to bear the expense. This can be done in a couple of different ways. You can purchase a life insurance policy specifically designed for this purpose, but keep in mind that it takes weeks or months to collect on a life insurance policy and funeral costs are immediate. Another option is to set aside a fund to pay for your funeral expenses. Just be certain that your family knows where the money is located and how to access it in the event of your death. Whichever option you choose, I recommend having a minimum of $15,000 set aside (twice that would be preferrable). 

In addition to funeral costs, you family's finances may further be strained by costs associated with travel and lost wages incurred through taking time off to manage your affairs. For this reason, you may want to consider saving beyond the bare bones cost of a funeral in order to more completely ease your family's financial burdens. 

Mental 
​As mentioned previously, decision fatigue is real, and having to make important decisions while suffering the mental and emotional strain associated with a loved one's death is extremely taxing. In dealing with our mother's passing, my sister and I both found ourselves feeling tremendously tired, and this exhaustion was as much mental as it was physical. 

Emotional 
The emotions surrounding the death of a loved one are complex and intense in their own right. It's possible to inadvertently add to your loved ones' emotional burden by forcing them to search for the information they need to close out your estate. Doing so will likely lead to frustration and possibly even annoyance. The presence of such emotions at the time of a loved one's passing can further lead to feelings of guilt. By not only planning aspects of your burial, but also sharing that information with your family, you can greatly relieve the stress they are bound to feel. 

Social/familial 
​If decisions are made in advance by you, then your family isn't left to wonder what you would want and potentially argue over what's best to be done. ​

It is assuredly helpful to loved ones to have some of the details of a person's funeral planned and paid for in advance, but not necessarily all. Dictating to your loved ones how you wish to be remembered (or not as the case may be) may prevent them from mourning in the manner that will be most healing to them. 

It's About You, but It Isn't For You

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My grandmother lived across the street from us growing up. She was an integral part of my young life until she passed away during my sophomore year of high school. She was always there, a constant. Until she wasn't.

We did not have a funeral for her, not because we didn't want to, but because she asked us not to. There was no celebration of her 82 years of life, no sharing stories with friends and family, no bidding her farewell. One day she was just gone forever, and we just had to get used to the idea, slowly, with nothing to ease the transition. 

My mother made a similar request, but my sister and I chose not to honor her wish. We understood that funerals are an important step in the process of achieving closure when it comes to the loss of a loved one. They provide an opportunity to remember, to celebrate, and to say goodbye. My sister and I needed that opportunity to reflect and to mourn. We needed to be surrounded by friends and family and hear from dozens of people how impactful our mother's life had been. We needed to witness the reality of her departure first hand so that we could better process it in the coming days and weeks. 

We kept it simple, knowing that what she was really asking us was not to go to a lot of trouble. We said what we needed to say. We heard what we needed to hear. We both believe that had she been present, Mom would have been pleased. 

While purchasing a plot, a casket, and a headstone can save your family a lot of stress and money at the time of your passing, dictating too many specifics regarding your funeral may very well cause them stress. It's important to remember that while your funeral will most definitely be about you, it isn't for you. Allow your loved ones the freedom to celebrate your life and their love for you in the manner that will be most meaningful and healing for them.