I know many in Blog land have been recently bereaved or are in difficult circumstances so I feel I should say
this is going to be about funerals - part rant, part information sharing. So if you are feeling fragile,
don't read the rest of this post.
Those adverts every 15 mins about buying a funeral "insurance" drive me nuts. Simple maths show that it is a false economy, and the Financial Ombudsman is already gearing up to crack down on some of these "offers". We did once pay for a family member's funeral in advance, just a one off payment that reduced capital and those kept the person within the benefits remit for the care home costs. Trouble was, despite having agreed to the plan, when it came to it my brother ordered loads of extras that had to be paid up front by ME and it took 6 months to get the extra £1000 back from the probate settlement.
Neither of us are religious at all and both have hated attending formal funerals in the past. So the other day I spotted an "info advert" in the weekend broadsheet newspaper for something I had never heard of. Apparently you can have a
directed cremation. The body is collected in a plain vehicle, cremated when/where ever and the family get the ashes some time later. Current price £1100. (Not the £4000 or £5000 minimum mentioned in all those adverts!).
That's us! We agreed totally.
a) we can afford it and can put the money in an account the kids can access
b) the family don't have to rush from all parts of the country
c) they don't have to involve the distant family who have barely spoken to us in decades in some false formality
d) when the ashes come back, then the family can arrange a big party to scatter them on a beach in summer or a mountain in winter and play, very loudly, ABBA for him and The Eagles for me. They can hire a big house and spend time together being rude about us.
We had never heard of this alternative but it does seem a viable one for us and there seem to be several well organised companies.