This article shows you things you can do to plan an affordable funeral.  With the typical funeral now costing more than the price of a decent used car, many families need help planning a more affordable funeral (or cremation) service.

Typical funeral costs vs. affordable funeral costs

Most American funerals now cost between $8,000 and $10,000.  Unfortunately, as baby boomers age, demand for funeral services will grow and drive funeral prices up even further.  Some experts predict that within three years the average traditional funeral will cost nearly $12,000.

With proper planning and a little foresight, you can realistically reduce out-of-pocket funeral expenses by at least 50%.

Choosing cremation with services has advantages and disadvantages.  In many ways this choice combines the benefits of traditional funeral services with the cost savings associated with cremation.

Cremation with services: advantages

Choosing cremation with services can be more therapeutic than choosing direct cremation for some families.  Because this choice includes some type of remembrance ceremony (e.g. a viewing or funeral ceremony), many families find this more comforting than direct cremation.

The viewing or memorial service allows friends and family to share in commemorating the life of the deceased and gives friends a chance to comfort the family.

Cremation can also be much less expensive than a full traditional funeral.  Choosing cremation allows you to eliminate many costs associated with funerals including the casket, gravesite, cemetery fee, and headstone cost.

Many people also consider cremation a more environmentally-friendly option because no land is disturbed for burial purposes.

Another benefit of cremation is that it provides portability of cremains.  If surviving family members move away, they can easily take cremated remains with them.

Cremation also allows for a wide variety of disposition options.  While some families do decide to bury cremains in a cemetery, most families simply take the cremains home.  However, many other options exist.  Please see the Funeral Saver's Kit for a complete discussion of cremation options.

This article explains cremation with services.  Families choosing cremation have two options: direct cremation or cremation with services.

Cremation with services often includes elements similar to what you would find in a traditional funeral; however, instead of a casketed body serving as the focal point of ceremonies, the cremated remains are the centerpiece of a memorial service.

With cremation the body is exposed to high heat and reduced to the consistency of sand.  In the case of cremation with services, the cremation itself could occur after a traditional funeral has been held or the body could be cremated first and the cremains used as the focal point during a memorial service.

A memorial service is any type of service that commemorates the life of the deceased while an urn containing the cremains (i.e. ashes) is in the room.  A funeral service is any type of service that commemorates the life of the deceased while the casketed body is in the room.

Depending on the timing of cremation, the body may need to be embalmed.  If the body is cremated before any type of formal ceremony is held, embalming is usually not necessary.  If cremation takes place after the body is viewed, embalming is usually required.

This brief article shares facts about the cremation process.  Most bodies that are cremated are placed in something combustible.  Typical cremation containers include heavy cardboard trays, cardboard or wood caskets, or canvas body bags.

Only 15 percent of cremations include the use of a casket.  This means nearly 85 percent of cremations take place using a less expensive cardboard container or canvas bag.

Before planning a funeral you should know that death care in America is a business. There are service providers (e.g. funeral homes, cemeteries, and headstone dealers) and there are consumers (people like you and me who need to make funeral arrangements).

Like any business, funeral homes and cemeteries should provide their goods and services on an honest and fair basis. Unfortunately, this rarely happens as several characteristics unique to the funeral industry place the consumer at a significant disadvantage when making funeral arrangements.

Many people consider donating their body to science in lieu of choosing a funeral followed by cemetery burial.

If you are interested in donating your body to science and making a contribution that benefits others, Medcure is one of the oldest and most respected programs to do so. If you quality for a body donation, Medcure will arrange for your body to be donated, and then will organize the rest of the remains to be cremated and returned to the family within 3-5 weeks for no cost. If you would like to know more, please call (866) 437-9526 and someone will be able to assist you and answer any questions.

Donating your body to science:  a basic description

When you choose to donate a deceased body to science, you are essentially donating the body to aid medical research - usually to teach medical students about anatomy.

When you donate a body, a representative from the medical school picks up the body and takes it to back to the school school where it's embalmed and stored.  The body is used to teach anatomy to medical students during the following semester's classes.  After the semester ends, the body is cremated.

The cremated remains (i.e. cremains) are either returned to the family or buried in communal plot in a cemetery near the medical school.

Families choosing to donate a body to science can still choose to hold their own memorial service after the death; however, in cases of body donation, the cremains will not be present during the memorial service (because the body needs to be transported to the medical school immediately following death).

The medical school usually holds a single memorial service for all of the bodies used during the previous semester's classes, and surviving family members are invited to attend the ceremony.   The medical school's memorial service occurs approximately two years after the date of death.

After the school holds their memorial service, the cremains are usually buried in a cemetery near the medical school.  However, the family can also request the cremains be returned to the family.  Again, this occurs nearly two years after death.

Many people want to know what services are offered by a funeral home.  Funeral homes, cemeteries, and memorial dealers all play an important role in caring for a deceased family member.  However, funeral homes normally handle the actual funeral or memorial service.

Different funeral home services

But not all funeral services are like.  In fact, funeral homes offer a range of services designed to accommodate different wishes and budgets.

Here are the most common types of services offered at most funeral homes:

•  traditional funeral service

• immediate burial

• direct cremation

• cremation with services

• donation

• memorial service

• graveside service

• private service

A "traditional” funeral involves the laying out of a casketed body for friends and family to pay respects.  The casket itself may be either “open” or “closed”.  An open casket is one in which the casket lid is left open so that the deceased is visible throughout the ceremony.  A closed casket ceremony means the ceremony is held in the presence of the casket, but the casket lid is closed.  The decedent’s family decides which option they prefer after considering the manner of death and condition of the body.