If you have had a loved one pass away and he or she didn't leave you money to help pay for the funeral and you don't have the money yourself, you are going to need to make sure that you figure out a way to get the funds in order to ensure that you can commemorate the memory of your loved one. Here are some tips for getting the money that you need for the funeral without going into debt.
1. Crowdfund It
If your loved one who passed away had a decent number of friends, you should be able to get together the money that you need for a funeral by tapping into his or her social network. If you are the one who is planning his or her funeral, you probably were very close to the person, but may not have been part of all of his or her social networks.
See if you can get access to your friend's social media accounts. This could be by talking to someone else, such as a family member, that might have the accounts or requesting the information from the social media websites themselves. This will allow you to have access to your loved one's entire social network.
Once you have access to everyone that your loved one knew, make a crowdfund page where people can send you small sums of money to help pay for the funeral; the payments can be made in a secure manner. Post this crowdfunding page to all of the social media networks that your loved one was a part of and get the rest of the people that cared about him or her to help you cover the costs.
2. Donate the Body to Science
A personal, intimate memorial service is much cheaper than that same service plus the embalming fees and coffin cost. You can significantly cut costs by discussing the funeral arrangements with your loved one ahead of time and see if he or she is amenable to donating his or her body to science, rather then being traditionally embalmed and buried. If he or she died suddenly and you are their closest relative, you should be able to donate the body to science if you feel that it is the right thing to do.
3. Check State Payment Services
Finally, if your loved one was on any kind of state welfare services, he or she might be eligible for state payment services to help cover the costs of the funeral. You will have to check with your local state department to see what the precise regulations are.
For more information, talk to a company that specializes in helping you pay for funeral services. They might be able to organize a payment plan for you if you have your heart set on a traditional service. Click here to learn more about paying funeral expenses.