Planning a Funeral on a Budget

How to give your loved one the goodbye they deserve while keeping costs down

By: Angela Serratore

When my father died a few years ago, I knew I wanted to keep costs down–for one thing, the estate hadn’t been settled, and I didn’t want to commit to an expensive funeral and then regret it when bills came due. For another, my father was a lifelong bargain hunter, and as I looked at what a full funeral with all the trimmings would cost, I could hear his voice in the back of my head: “you’re going to spend HOW much on an urn?” I imagined him asking, incredulous.

I wasn’t alone in worrying about money when I was in the immediate stages of grief–as funeral costs in America rise, families are now spending upwards of $10,000 for even fairly basic funerals.

Saving money on a funeral can be a challenge–you want to give your loved one the send-off they deserve, and it can feel hard to pinch pennies. But that doesn’t mean you have to mortgage the house, either–there are things you can do during the funeral planning process to ease the burden on your bank account.

Know your rights: The Federal Trade Commission requires all funeral homes to keep an updated master price list on file and make it available to consumers upon request. Plenty of funeral homes make their master price list available online, too. Examine the list closely, and don’t feel bad about shopping around! While you might not end up going with the least expensive option, it’s worth getting a sense of what different funeral homes charge for similar services.

Bring your own supplies: One thing the FTC makes very clear is that funeral homes aren’t allowed to charge you extra for using a casket or urn you’ve purchased somewhere else. As long as it meets the requirements of your cemetery, you’re allowed to use it! Considering the markup on caskets, this is a great place to save money. Costco, for example, sells caskets at a fraction of the cost of funeral home prices. If you’re opting for cremation, your options are even broader–any container that will hold cremains safely works.

Opt for direct burial or cremation: In addition to being the best options for the environment, direct burial and cremation are also significantly less expensive than funerals and burial ceremonies that involve embalming a body. Note: a direct burial is different from opting for a simple burial. A direct burial means the funeral director does the burial without the family present.

Don’t be afraid to customize: You may find, in working with a funeral home, that you don’t actually need all the bells and whistles they offer. One place it often makes sense to think about saving is the viewing–many funeral homes suggest four hours’ worth, while it might make sense to have only two.

Staying close to home: Rather than an expensive post-funeral event at a restaurant or event space, consider having a gathering at home. You’ll save on food and drink costs, especially if you ask guests to bring a dish or bottle of wine to share. If you feel bad asking, remember–people want to help, and in many cases will be grateful to you for including them.

Paying for flowers–don’t do it: From experience, I can say that even if you don’t have any funeral at all, or expressly tell people not to send flowers, or text everyone you know a link to your loved one’s favorite charity, it’s a fact that some people will not be able to stop themselves from sending flowers or plants. Take advantage of this! If someone wants to send flowers, incorporate them into the funeral decor and then bring them along to the cemetery. There’s no reason for you to spend money on something so many other people will want to give you.


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How To Make The Most of Your Give InKind Page

You recently learned that someone you care about is facing a situation that Give InKind founder, Laura Malcolm, describes as a “life disruption.” These situations can run the gamut. They can involve the birth of a baby, an illness, a move, a separation, a loss – anything that creates a need for additional help that can be addressed by a caring community. As Malcolm has explained, there is really no good reason people should be allowed to ask for help only when they marry or have a baby. There are, in fact, lots of other times we need the help of a caring community.

When you create a page on Give InKind, you enable a community to step up and effectively provide the love and support a family or an individual needs.

Here are some tips for building a Give InKind page.

Begin by learning exactly what your recipient needs. The specifics you can provide are what will make the page a valuable resource for everyone in their lives. Sit with them and ask a few questions:

    • What information do you want to share with everyone?
    • What kinds of items would be really helpful to you?
    • Do you need help like babysitting or meals? On what days?
    • Do you have any allergies, or is there any food you don’t like?
    • Do you want visitors? Texts or phone calls?

Use the Give InKind dropdown menus to get started.

One of the easiest ways for Page Organizers and Supporters to start is by choosing what you want to do from the dropdown menus at the top of the Give InKind page. The menu has three options — CREATE, GIVE, and LEARN. Hover your mouse over any of these options to display the dropdown menu and choose what you want to do.

 

CREATE Menu

Choose this option to create your Give  InKind page. Click CREATE A PAGE to get started.

 

GIVE Menu

The GIVE menu helps supporters find gift products or services based on the Recipient’s situation, the gift category, or type of recipient. Just hover your mouse over the word GIVE and choose the giving category you want. This will display all of the items in the Marketplace that fall under that category. Note that if you are looking for a product you do not see, you may email us at Give InKind and we may add it to our offerings.

 

LEARN Menu

The LEARN menu offers quick access to Give InKind’s library, which includes hundreds of articles on life’s special circumstances. This is a great place to start for you, your Recipients, and your Supporters. Hover over the word LEARN to display some of the most popular articles or click SEE ALL ARTICLES & GUIDES to explore the entire Library.

Building The Page

With the recipient’s information in hand, it’s time to create a page, give it a name, and write a paragraph or two about your loved one’s current situation.

The versatility of the Give InKind page is what sets it apart. Use the many functions and options available to customize the page and give supporters as much help as possible for making their choices.

Make sure to indicate preferences for communication by enabling the tabs. Are visitors welcome? Are flowers desired? Are phone calls ok? Are texts preferred, or even encouraged? These are important details. Don’t forget to personalize the page by adding a picture of the recipient and customize the section behind the photo by changing the color, adding additional photos, etc.

Here are a few other things you can do to make the page as helpful as possible:

 

Tell Their Story

When you build your page, the first thing you can do after naming it and setting your preferences is to write the recipient’s story in the description.

Share as much or as little as they are comfortable with, but help them understand that this will connect them with their supporters and relieve them of having to re-tell their story. Share details that will let people know the kind of help that is needed, like how long the situation may last, if they will be needed at a hospital certain days of the week, or how daily activities like school pickups and dinner will be impacted. This will guide your visitors as they seek ways to support.

Note that there is a box that can be checked that turns on the privacy features so that the page cannot be shared beyond a group of people your recipient want. When this box is checked, the link can be shared by email, but the page will not appear on public search engine results or on the pages visible to Give InKind visitors on the platform itself.

 

Build a Wishlist

Understandably, most people don’t know what to do when confronted with a situation with which they are unfamiliar. While sending flowers is a lovely gesture, finding situationally appropriate products is deeply appreciated especially if the situation is likely to last a while. Use the items in the Give InKind marketplace to build their Wishlist – many of these products are suggested by people who have walked in the shoes of your recipient.

 

Create a Care Calendar

Take the time to explore the multiple custom features contained in the calendar dropdown menu. This enables the creation of a care calendar that allows for multiple people to pick up multiple children at multiple locations – and then some.

The calendar allows you to create events such as meal needs, babysitting, errand running, or whatever is needed in fields that include “other” and allow descriptors for all items. Add details like food allergies, how to get access to the recipient’s apartment building, or anything else people need to know. When they sign up to help, they will know just what to do and they can even add their own details. Those who sign up will receive email reminders.

 

Link Your Crowdfunding Campaigns

For many people dealing with tough circumstances, financial challenges can be great. If you or your recipient have created a GoFundme or PayPal donation account, you can easily place links to those accounts on the page. Just copy the existing crowdfunding link into the Give InKind page link and it will appear as an option to those hoping to give effective assistance. Give InKind takes no fees from these donations, though you want to be sure you are aware of any fees imposed by those sites.

When you finish building your page, send the link to friends, family, and maybe a few colleagues. Soon, the recipient will begin receiving messages and support.

 

Keep Supporters Updated

As the recipient’s situation evolves, go back to the page description and provide periodic updates. They may not need the same kind of help a month from now as they need today, and people feel closer to those they care about when they know what’s happening. An up-to-date page can be a great resource for the people in their life.

Please let us know what questions you have. If you discover products you find useful, please send them our way. We strive to simplify complicated times.

5 Reasons Meal Kits Make a Great Gift for an Adoptive New Mom

Casting about for baby gifts for a pal of mine who was adopting a child to add to her brood, I started thinking hard about meal kits. She had plenty of clothes – and all the gear in the world.

I started considering whether or not a meal kit is just the ticket for a new mom.

Rather than guess at it, I decided to try it myself. I had to remember what it really felt like to have a new addition – a whole new personality joining a growing family at various ages and stages – from coupledom to first child and beyond. Admittedly, remembering these precious times was  one of the greatest things about this experiment.

The takeaway: I have learned that services like Blue Apron may very well be a game changer for a growing family.

These are the top five reasons a meal kit is a great gift for an adoptive family:

  1. Cooking without the hassle. Meals lovingly prepared by others in the early days can be just the ticket. But quite soon, one starts to run out of freezer space. Meals provided are of (ahem) variable quality and (often) similar content. Some things freeze better than others. When my children were new to me, I liked being up and around as soon as possible – at least within my house. It made me feel more together than I actually was. This meant that I liked filling my home with delicious smells whenever possible, attempting some sense of normalcy. Meal kits allow for this to conveniently occur.
  2. No planning. In the throes of sleep deprivation, I wanted to just be directed about what to do. Meal planning was a challenge for sure. When a meal kit shows up there is no choice. You cook what you are sent. It is strangely empowering and oddly relaxing. It allows for bonding to occur along side meal prep and music.
  3. No shopping. The worst thing to me about cooking with children is taking them to the grocery store. I always end up spending more than I would with my kids in tow than I do alone. I hate that they sell toys, and there is candy at every checkout. I found shopping to be an interruption to my day and was not always in a space to interact with friends and neighbors as the intensity of bonding was primal. And the germs – even after wiping a cart down with antiseptic, the whole experience still felt like a cold waiting to happen. Meal kit = no shopping.
  4. No shopping part II. Meal kits are great gifts for a working parent. The work/life balance (whatever that means) is a real struggle. The road from work to home is longer where there are errands. Errands can make a parent weep. A waiting meal kit simplifies. No figuring out what to buy, what to make. It’s just there. Follow the directions – boom!
  5. Breaks up cooking monotony. Some find meal kits slightly tyrannical because what if you don’t like what is on the menu? (Note: you can set some food preferences). For example, I am not a fan of potato salad but last week I made, if I do say so myself, a pretty good one. The meal kits contain quality ingredients – clean meat and wild caught fish. A meal kit challenges me to do myself what I require of my kids – try new food. The flip side of the apparent rigidity of a meal kit is that it is a decision made for you. This can be so nice. (Parents make decisions all day long – this is a set recipe with directions to follow).

I’m not sure what is on the menu for today but I eagerly await my delivery.

When you sign a new mom pal up, make sure to know her food preferences. Or, send her a gift certificate so that she can just go ahead and set her own preferences. There may be days of the week that are better for her than others.

Go ahead and send along some disposable plates, flatware and the rest too, especially for those earliest days when visitors may be helping with the cooking (but not so much the dishes).

If Amazon Prime is an option throw that in to pretty much guarantee there’s no need to shop again for a while.

(Some meal plans even deliver paired wine to accompany meals. And that is a double yum for many).

I’m Talking Honestly About Chronic Pain & I’m Not Fine

Give InKind is proud to feature Sarah Dillingham. If you are dealing with chronic hand pain, please check out our helpful directory on the Grace & Able website and join us over in the Living with Hand Pain community. 

I’m fine. 

One of the most puzzling things about people with chronic illness is that we often tell people that we’re fine when we’re not. 

I have rheumatoid disease (aka rheumatoid arthritis). It is an autoimmune condition where my immune system attacks my own body, especially my joints. 

This is about as much fun as it sounds. Imagine someone slowly trying to pull your fingers off of your hands or prise your knee apart with a screwdriver and you’ll get the idea. 

I’m in pain every day. Yet whenever anyone asks me how I’m doing, I automatically say ‘I’m fine thanks!’. 

So what’s going on?  

  • When it’s just a social nicety

Let’s be honest. Most of the time when an acquaintance asks ‘how are you?’ they don’t really care about the answer. They are expecting to hear ‘good, how are you?’

I’ve made the mistake of answering this question honestly. I see their eyes glaze over as they start scanning the room for an escape route. 

If it’s someone I don’t know very well, I stick with ‘I’m fine.’ and move the conversation along.

  • When I’m having too much fun to talk about miserable things

Chronic illness is exhausting, which means I don’t get to socialize as much as I like.

When I’m out and about seeing friends, I want to make the most of my precious socializing time. 

Sometimes, the last thing I want to talk about is my health. 

So even though my friends are asking because they genuinely care, I may respond with an ‘I’m fine’. I’d rather use my precious socializing time to take a day off of thinking and talking about my illness to focus on something else. 

  • When an honest answer could be used as ammunition

Disclosing your health condition at work is a very personal decision. 

While many colleagues are understanding and supportive, you may feel wary about disclosing too much, especially if you are in a competitive working environment. 

Keeping healthy boundaries and being thoughtful about who you disclose to is sensible. 

When colleagues ask, ‘I’m fine’ can be the most appropriate answer.

  • When chronic pain is chronic

There is no cure for rheumatoid disease. 

Medication and home management slow the progress of the condition, but it doesn’t stop it. It’s a lifelong condition.

I’m very conscious about wearing out other people’s sympathy. I don’t want to bore my friends and family by talking about my health 24 / 7. 

I save my ‘I’m not fine’ moments for when I really need their support.

  • When we’re just about holding it together

Sometimes I say ‘I’m fine’ because if I started talking about how hard it is I would collapse in a puddle of tears. 

And nobody wants to do that in the middle of Costco.

These are the times when you may need to lean on your friends, family or whatever support system you have. Don’t struggle alone if you don’t have to.

What to do when you’re not fine

Chronic illness is tough. 

There’s no shame in reaching out for support.

Accessing the support you need, when you need it is crucial.

If you can’t talk with your friends or family, please consider finding support via your medical provider, a charity or one of the many incredible online patient communities. 

We all need spaces to vent, share, support and have the occasional laugh.

If you are dealing with chronic hand pain, please check out our helpful directory on the Grace & Able website and join us over in the Living with Hand Pain community. 

If you are in crisis, please call The National Suicide Prevention hotline on 1-800-273-8255.

3 Things Not to Say to Someone with Chronic Illness

Give InKind is proud to feature Sarah Dillingham. If you are dealing with chronic hand pain, please check out our helpful directory on the Grace & Able website and join us over in the Living with Hand Pain community. 

Living with a chronic illness is challenging. Chronic illnesses are often misunderstood. Unwanted advice and comments can be hurtful, even when they are well-intentioned.

If you have a friend or family member with a chronic illness, here are some phrases you may want to avoid. 

  1. “You don’t look sick.”

What does sick look like? 

Is it someone in bed with the flu? 

Or someone hobbling around in a plaster cast with a broken leg?

What happens when you don’t fit into one of those boxes?

We all know what to do and say when someone has an injury or an illness that they are going to recover from.

But chronic illness conditions are different. People are not going to recover. They may have periods of remission and flares where the severity of their symptoms vary. 

Invisible illnesses are not always obvious to the untrained eye – which is why they are often called invisible illnesses.

When you only see someone out and about on a ‘good’ day, it’s easy to assume that they are 100% healthy. You don’t see the level of effort it takes to get out of the house.

You might think that ‘You don’t look sick’ is a compliment. 

But it can also imply faking.

The irony is that people with chronic illnesses are often faking being well.

  1. “Have you tried….?”

Yes, I’ve tried yoga. And turmeric. And paleo. And acupuncture, osteopathy, copper bangles and cherry juice.

I’d sit in a bathtub of beans if I thought it would fix my rheumatoid disease (it doesn’t by the way, so don’t try it at home).

Often this advice is very well-meant. When someone makes a suggestion I’ll assume positive intent. I’ll reply ‘Thanks I’ll look into it’.

Things become awkward when someone won’t let it go (‘ah yes but did you *really* do keto?’).

Sometimes there is a strong implication that I’m lazy or actively choosing to be unwell.

Unless you have access to somebody’s medical records, any suggestions you make are exactly that – suggestions.

If someone doesn’t want to take your health advice on board, leave them be. They may have tried it before or it may simply not be right for them.

  1. “At least it’s not cancer”

No. It’s not cancer. But it still sucks.

There’s something deeply unpleasant about this comment. I’ve spent a lot of time trying to figure out why.

My theory is that it implies that cancer – and only cancer – is the benchmark of a ‘serious’ health condition.

The implication is ‘Why are you making such a fuss? It’s not like you’ve got cancer!’

It’s a passive-aggressive, dismissive and belittling thing to say.

It’s strange too because we don’t say ‘oh well at least you haven’t got cancer’ to people with the flu or with a broken leg.

We say ‘I’m sorry to hear you’re dealing with that.’

So what should you say?

Listening goes a long way. As do understanding and empathy. 

If you are not sure what to say, try asking ‘How can I help?’ . 

You might be surprised by the answer.