Death is never easy to cope with; the weight of emotions can be compounded by financial considerations regarding the organization of a funeral. Understanding the costs will help you make informed decisions at such trying times when choices are legion.

Funeral Home Costs: Essential Points

Typically, funeral home charges are more often than not the majority of what a family spends for a funeral. A minimum basic service can cost between $2,000 and $5,000, though prices vary depending on what the package includes.

In this fee, it includes making use of the funeral home for the service, transport of the body, and other administrative fees. I did not know what the funeral home was going to cost me," Jane relates during planning for her mother's arrangements.

Caskets and Urns: A Significant Expense

One of the largest expense line items for a funeral is likely to be the casket or cremation urn. And prices are just as diverse and varied. For instance, a very simple wooden casket might start at around $1,000. An extremely elaborate one could cost over $10,000. "It's that sort of intimate choice," she said, speaking of the emotional quality of the process. "Choosing a casket felt overwhelming."

Other Costs to Keep in Mind

Once you get beyond the basics, there will be a lot of other expenses that can pile up quickly. Here are just a few examples:

Burial Plot: To actually have it in your grave, you will need a plot. This will cost you anywhere from $300 to $2,500, depending on where you live.

Grave Marker: A headstone or grave marker can be $500 to $3,000, depending on material and engraving.

- Memorial Service: Another $100 to $2,500 can be tacked on to your total expenses depending upon the level of detail you desire and how personalized you desire it to be.

- Flowers and Catering: Flowers for the service can be $100 or so. Should your reception follow immediately after the ceremony then this is where you really go into a broad range in catering.

It's amazing how fast it all adds up, Jane said, with a hint of frustration and determination in her voice. Taking all these factors into consideration, running an organization or organizing a funeral costs can range between $7,000 over $12,000.

Lastly, organizing a funeral can be very pricey, but it is a perfect way to make choices aligned with your loved one's preference and your budget. Take time to read and ask questions, perhaps even discover some. A funeral is a fine tribute to a life lived. The best thing about proper planning is that surely it will be filled with love and remembrance.

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