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Most of us shy away from the topic of death and mortality, let alone our own funeral. If planning your own funeral sounds a bit maudlin to you, that's understandable. You're probably thinking, "Why should I arrange my funeral?" But once you think about it logically and financially, you'll see how much sense it makes for you to start planning now, while you're still around to make such an important decision.  

Why do people plan their own funerals? There are many advantages to advance planning. Here are a few:

Save money

When you plan and pre-pay your funeral, you lock in costs at today's rates. Of course, you can plan your funeral arrangements without paying in advance, or you can set up an installment plan. But paying now avoids years if not decades of inflation. 

Have it your way

Planning your own funeral means that the ceremony and burial will go according to your wishes. You can dictate the size of your headstone and its inscription, the location of your internment, and everything else — meaning you get to tell your life story your way. 

Ease the burden on loved ones

Death of a loved one, even if it is expected due to illness or old age, is still a traumatic experience. When the times comes, your loved ones will be in a delicate emotional state. You can spare them the additional stress and grief of planning your funeral by doing it yourself in advance.

Avoid the rush

Funerals are usually last-minute affairs. By planning in advance, you can take the time to research all your options. Also, having the luxury of no-pressure planning means important details are less likely to be overlooked, and you (or your loved ones) don’t make a rash decision on more expensive items than needed. 

Focus on what matters most to you

At funeral ceremonies, eulogies are given that recognize the life of the deceased. If you plan your own funeral, you can ensure that those close to you will be recognized as well. 

Complete your financial life plan

Your whole life you’ve been financially responsible. You planned for your wedding, your children’s’ college, your retirement. Planning your funeral is simply the last piece of the puzzle, to ensure your finances are secured and you can live the rest of your days in relaxed peace, knowing everything is taken care of.

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