There is no question funerals often come as an unexpected and unwelcome expense, adding to the grief families are likely to be experiencing. So if you are struggling to meet the costs of a funeral, what can you do?
Decide what’s really important
There are so many ways to create a beautiful, authentic funeral which do not cost much money. Whether that’s choosing a cardboard coffin for everyone to decorate, or holding the funeral at home, you have choices, and you shouldn’t be afraid to make them.
Call on the power of your community
You know how everyone always says ‘Let me know if there’s anything I can do’? Now is the time to tell them.
Who do you know who can contribute $50 or $100 to the funeral fund? Can attendees bring a plate to share? Who can bring some flowers or foliage from their garden? Anyone can be a celebrant – who in your circle would be good? Is there a relative who plays the guitar?
If you’re worried that this is somehow going to look cheap, or you’re embarrassed to ask for help, please remember that funerals were, until very recently, the epitome of community action. You’re not asking for charity; you’re inviting your community to be part of the final moment for your person who has died. This is not just a benefit for you; it’s a gift to the people you’ve asked to be part of the process. When we actively participate in grieving, we process it better and we heal faster. What a wonderful thing to do together!
Explore financial assistance programs for funerals
Depending on your location and your membership of certain groups, you may be eligible for a range of funeral assistance.
- In the ACT, residents who meet the eligibility criteria can apply for assistance from the ACT Funeral Assistance program to cover the costs of a basic funeral.
- In NSW, funeral assistance for people unable to afford a basic funeral is provided through the Local Health Areas. Contact your local council for more information.
- Members of our First Nations communities in NSW may be supported through the Funeral Fund of the Aboriginal Land Council.
- Transport NSW also offers support to community members travelling for Sorry Business through their Aboriginal Funeral Transport Program.
- Individuals receiving Centrelink benefits may be eligible for payments from Services Australia.
- Veterans may be able to access funeral benefits through the Department of Veterans Affairs.
- Some industries, unions or communities have specific programs to help their members. For example, professional musicians may be supported through Support Act.
- No Interest Loans are available from a range of responsible providers to individuals meeting their criteria.
- If you are in financial need, you can also speak to your local Tender Funerals about access to our Benevolent Fund.
Key Takeaways
- Know your options to create a meaningful, affordable funeral for less
- Invite your community to be part of the solution
- There are financial assistance programs