Author Topic: My goodness dying's an expensive business  (Read 9858 times)

Fleecewife

  • Joined May 2010
  • South Lanarkshire
    • ScotHebs
My goodness dying's an expensive business
« on: March 09, 2014, 04:54:38 pm »
As my husband says - if people knew just how expensive and time consuming dying is, then they wouldn't do it  ;D  They say that selling a house is the most stressful thing you'll ever have to do, but a relative dying's worse.  It can include selling a house, plus all the solicitor stuff and funeral and other early bits to do with the death itself, and zooming around the country if you don't happen to live nearby.  Endless phone calls and giant forms to fill in, letters and emails, sorting through clothes and possessions, and of course the inheritance tax  :tired:.
I think in fairness to my rellies I'd better stay around forever  :o
"Let's not talk about what we can do, but do what we can"

There is NO planet B - what are YOU doing to save our home?

Do something today that your future self will thank you for - plant a tree

 Love your soil - it's the lifeblood of your land.

Greenerlife

  • Joined Mar 2009
  • Leafy Surrey
Re: My goodness dying's an expensive business
« Reply #1 on: March 09, 2014, 05:05:35 pm »
Yep.  My other half's mum passed away and requested that there was no funeral.  It still cost £3000!  The paperwork had been tidied up beforehand as she knew her time was up, but it does make you think "if I went tomorrow..."


ellied

  • Joined Sep 2010
  • Fife
    • Facebook
Re: My goodness dying's an expensive business
« Reply #2 on: March 09, 2014, 06:13:28 pm »
Yep, I was executor for my mum who stayed a couple hundred miles from me, and my brother died in NZ so all fun and games.  My aunt was in a home (dementia for the last 15 years or so) and her house was sold by her executor/power of attorney to fund it but even then it was a hassle for the poor second cousin that she'd named.

Best thing you can do is a. a will and b. a funeral wishes paper so that whoever has to deal with it at least knows what you wanted and isn't as caught up in the war that can occur in families when everyone thinks they know what the deceased would have wanted and none of them agree..  Worst kind of feuds start over funerals and wills that haven't been pre-arranged in some way so everyone knows what is intended by the person they have lost.

For mum, per her wishes, we had a church funeral and the crem, but using a willow casket and spring flowers (it was March).  One of her friends made some cracks about the laundry basket and the minister got several things wrong including the main bible reading, the psalm and as for the "ladies" who wanted to organise refreshments having known mum over 30 years, well they put out tea and cheap biscuits while family went off to the crem in 2 cars, and everyone had gone home by the time we got back, bar a handful who made a point to stay back.  Couldn't get over it for a long time, she was at that church several times a week and in all the social stuff, knitting circles, visiting the sick, you name it she did it and it was just a shambles.  Oh and mum didn't want embalmed as she didn't see the point in pumping chemicals into a body just destined for an oven, but the battle we had to persuade the undertakers not to do the full package, we ended up paying full price to get less!  £3k and terrible stress when we least needed it.  Thank goodness she'd done a will is all I can say, at least I didn't get hassle from the rellies over that part, and as my brother died 6 months after her, and his ex cleaned us out, just as well ::)
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little blue

  • Joined Jun 2009
  • Derbyshire
Re: My goodness dying's an expensive business
« Reply #3 on: March 09, 2014, 09:28:57 pm »
I think its criminal, what funerals cost - as mentioned above, even no funeral a such can cost £1000s :(
...we're still paying!
Little Blue

Lesley Silvester

  • Joined Sep 2011
  • Telford
Re: My goodness dying's an expensive business
« Reply #4 on: March 09, 2014, 09:32:31 pm »
My MIL paid for her funeral up front and my mum has also taken out a funeral plan so that we, her children, don't have the worry. We'll still have to deal with the sale of her flat and all the sorting out but not having the funeral to worry about lessens the load. When OH and I have some spare cash, we will do the same.

sabrina

  • Joined Nov 2008
Re: My goodness dying's an expensive business
« Reply #5 on: March 09, 2014, 09:38:07 pm »
My sister-in-law is an undertaker and she see all sorts. The costs just keep getting higher. My mother moved to Lesmahgow to be near my brother as he has very poor health. She made us promise that when she dies we have to take her home to Shetland to be buried. think what that will cost. Not only that, none of us will be able to go and lay flowers at her grave whenever we feel like it. Makes me sad but that's her wishes.

Fleecewife

  • Joined May 2010
  • South Lanarkshire
    • ScotHebs
Re: My goodness dying's an expensive business
« Reply #6 on: March 10, 2014, 12:01:41 am »
My aunt had prepaid her funeral and chosen her burial site (woodland burial) so all I had to do there was phone the undertakers who were wonderful. The Registrar was so nice when I went to register the death so that wasn't stressful at all.   There was still all the adverts, refreshments, timings, lifts and so on to do, but I'm so glad my aunt had arranged the burial itself all in advance.  She too had a white wicker coffin which was lovely.  She wanted no religious service, so once the 'facilitator' had finished mumbling (he did try in fact) we all sat round with cups of tea and a wonderful buffet spread, and took it in turns to stand up and share what my aunt had meant to each of us - that bit worked wonderfully well and we learnt so much about sides of her life that we knew little about.

My mum died when I was 15 and her funeral was horrible.  She was cremated and as the coffin went through the curtains towards the furnace I could see hands reaching out to take the flowers off the top. That traumatised me for quite a while.

When my dad died, my brother organised the funeral and it was a bit awful.

I think the Will is so important to have written well in advance.  It's easy enough to change or modify at a later date, as we have just done.  It didn't cost anything as our solicitor said all he had to do was substitute one standard passage for another on the computer.
For my own funeral, I hadn't got beyond deciding I too want a wicker coffin.  A woodland burial would be nice but there's nowhere near here that does it.  I think I'll be cremated and my ashes sprinkled around the woodland we have planted here.
From all the forms I've had to fill in for my aunt, I now know the information I need to have available in the Red Box along with copies of the Wills, so my boys can go straight to that.
I don't find it morbid at all, just practical and helpful to the rellies.

My aunt lived 350 miles away so clearing and selling the house has meant long trips down south. I really need to go again but I'm hoping to avoid that.  I couldn't have done it all without a solicitor being the other executor, but that's going to cost a packet, as is the conveyancing and the estate agent.  As far as I know, here in Scotland the solicitor does all those things, so only one bill to pay.
My aunt fortunately had thought about the death duties and had put aside enough in shares to cover that.  I don't see how we can do that for our boys, but we'll try.
"Let's not talk about what we can do, but do what we can"

There is NO planet B - what are YOU doing to save our home?

Do something today that your future self will thank you for - plant a tree

 Love your soil - it's the lifeblood of your land.

Lesley Silvester

  • Joined Sep 2011
  • Telford
Re: My goodness dying's an expensive business
« Reply #7 on: March 10, 2014, 12:32:16 am »

My mum died when I was 15 and her funeral was horrible.  She was cremated and as the coffin went through the curtains towards the furnace I could see hands reaching out to take the flowers off the top. That traumatised me for quite a while.



That's horrendous. Would it really have hurt them to wait a few minutes? At my Granddad's funeral, the vicar took his cassock off while he was standing at the door saying goodbye to everyone. He hardly gave us all time to get outside before he was off.


I want a Christian funeral - cardboard box and ashes to go on my vegetable garden. I've chosen my hymns as well. Must write it all down though in case OH goes before me.

bloomer

  • Joined Aug 2010
  • leslie, fife
  • i have chickens, sheep and opinions!!!
Re: My goodness dying's an expensive business
« Reply #8 on: March 10, 2014, 07:14:43 am »
yes its expensive but there are some great undertakers out there,


when my grandma (my dads mum) was terminally ill and in her final weeks she was moved at her request to the hospice in Milton Keynes where my mum works (mum was her executor and primary support for many years after my dad died) her reasons being it was closer to all us family so we could see her a bit and we didn't all have to keep driving to london every couple of days.


she was there 10 days before she passed away, she had left literally an envelope of cash marked funeral...


she wanted to be taken back to London for a full church funeral in the church she attended for over 60 years followed cremation followed by buffet and drinks in her favourite pub...


the funeral director we found made it clear none of the practical arrangements were any bother and he did everything possible to make our lives as easy as possible...


the pub on the other hand were awful, i went to see them and they have obviously changed since my Grandma went in there last (probably 5 years) they basically refused to hold the buffet as they were now a pub for business people and kids and old people weren't welcome...


the ladies from Grandma's church stepped up and laid on a magnificent tea in the church which was most welcome and actually made meeting the other people at the funeral easier i guess...


when we got the bill from the funeral director it was exactly what his brochure listed for a church/crem event he made no additional charges for travel to and from london or any of a number of little extra's he arranged to make the day easier for us, when we went to pay the bill we asked (we felt he was so good we didn't want him to lose out and he was a small 1 man company) and he said he wanted to make life easy for everyone and had decided when he started up on a 1 price for everyone policy...


so we paid then brought his kids (who we had bumped into along the way) a gift to say thank you!!!




Ina

  • Joined Feb 2012
  • South Aberdeenshire
Re: My goodness dying's an expensive business
« Reply #9 on: March 10, 2014, 08:33:15 am »
What's worrying me a bit - what happens if you don't really have a next of kin and no close friends, either? I pity the poor person who will, inevitably, find my remains one day - and who will have the unenviable job of getting me disposed of?

tizaala

  • Joined Mar 2011
  • Dolau, Llandrindod Wells,Powys
Re: My goodness dying's an expensive business
« Reply #10 on: March 10, 2014, 08:39:39 am »
Add to all that the cost of 7or 8 air tickets to Germany for Gabi to sort out her mother's long term cancer , hospice and death, then for her to sort out the house sale and and she still has to go back again soon to get the rest of the furniture into storage, so far just short of 10,000, and counting....

Lesley Silvester

  • Joined Sep 2011
  • Telford
Re: My goodness dying's an expensive business
« Reply #11 on: March 11, 2014, 12:37:50 am »
That is scary.

benandjerry

  • Joined Jan 2014
Re: My goodness dying's an expensive business
« Reply #12 on: March 11, 2014, 09:32:32 am »
What's worrying me a bit - what happens if you don't really have a next of kin and no close friends, either? I pity the poor person who will, inevitably, find my remains one day - and who will have the unenviable job of getting me disposed of?

That will be me, no children! :(  But hopefully my sister who is ten years younger than me and had children will see to me..... I'll probably be found.  Our mum however, has point blank refused to discuss, death, funeral, house, what she wants and said 'I shall leave a mess for you two to sort out'.    :o  How do we get round that, as sis and I fairly organised.  I did wonder if it is her revolt/ revenge from when we were wee sh*tes when we were younger?  :roflanim:

shygirl

  • Joined May 2013
Re: My goodness dying's an expensive business
« Reply #13 on: March 11, 2014, 09:54:39 am »
how do you pre-pay for a funeral?
it cost £2500 to cremate my mother and that was all she had in the bank so that was ok as I don't know how I would have paid for it otherwise.
I have considered donating my body to medical research as we live near Aberdeen hospital atm, but when we move we will be much more remote so it probably wouldn't be a convenient thing to do if they have to ship me a long way.  :o :o
I do like the idea of my ashes put out to sea so when I find my forever home that's probably what il plan.

cans

  • Joined May 2013
Re: My goodness dying's an expensive business
« Reply #14 on: March 11, 2014, 11:22:56 am »
After my mum died we got the Co-op to do the funeral.  Mum got a discount as she was a member!!  Once the dust had settled and we did the sums I decided dad would get his funeral organised while the cash was there. Dad wasnt too keen on getting a prepay but when we told him how much it would save he eventually agreed.  We used the Co-op again, by this time I had joined, so I got a discount.  Cars, coffin, all fees -  crematorium, minister, hospital, and funeral staff doing their bit - all paid for.  Glad I did as all costs were going to be going up this year.  All that we need to pay for when the time comes is flowers, notices in the papers, and the tea afterwards. 
If I had the money I would organise a pre paid for myself.

MGM I hope you can talk your mum round even if it just to say what she would not like to happen. 

 

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