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Funeral Costs: Plan & Save | The Prosperity Project

The Changing Face of Funerals: How Covid and Cost Concerns are Driving a New Era of Remembrance

The average New Zealand funeral now costs upwards of $6,000, a figure that leaves many families facing difficult financial choices at an already emotionally vulnerable time. But a quiet revolution is underway, fueled by pandemic-era shifts and a growing awareness of unnecessary costs, promising a more personalized – and affordable – future for how we say goodbye.

The “Ticket Clipping” in the Funeral Industry

Ruru, founder of independent service affordable funeral options provider Everything Funeral, highlights a lack of price transparency within the industry. He suggests that while not outright “profiteering,” some funeral directors add markups to services like media announcements, leveraging volume discounts. The difference between a simple, flat-lid casket and a more elaborate raised-lid option, he points out, can be significant despite serving the same fundamental purpose. This opacity is prompting families to question traditional practices and seek alternatives.

Covid-19: An Unexpected Catalyst for Change

The restrictions imposed during the Covid-19 pandemic dramatically altered funeral traditions. Large gatherings were impossible, forcing families to rethink how they honored their loved ones. This led to a surge in direct cremations, followed by smaller, more intimate memorial services held at a later date. This two-stage approach not only adhered to safety protocols but also significantly reduced overall costs. The trend continues, demonstrating a lasting shift in consumer preferences.

The Rising Popularity of Celebration of Life Events

The move towards direct cremation has paved the way for more personalized “celebration of life” events. These gatherings, often held weeks or months after the cremation, allow families to focus on remembering the deceased in a way that truly reflects their personality and passions. This can range from a simple afternoon tea to a full-blown party, offering a more uplifting and meaningful experience than a traditional, somber funeral service.

The Financial Burden and Limited Support

Despite the growing awareness of cost-saving options, funerals remain a significant financial strain for many New Zealanders. Work and Income’s funeral grant of $2559, while helpful, often falls far short of covering the full expense. Ruru notes the troubling reality of families going into debt to cover funeral costs, and then being pursued for repayment. This highlights the urgent need for greater financial assistance and more accessible, transparent pricing.

Personalizing Farewell: A Case Study in Affordability

Ruru’s own experience demonstrates that a meaningful farewell doesn’t have to break the bank. His mother-in-law’s funeral, from plot purchase to bar tab, cost just $4660. He emphasizes that this wasn’t about scrimping, but about making conscious choices that reflected her wishes and prioritized personal touches. This illustrates that a heartfelt tribute can be achieved without extravagant spending.

Beyond the Casket: Where Costs Really Add Up

While casket costs are often scrutinized, catering represents a significant expense. A gathering of 100 people at $14 per head quickly adds up to $1400. Families are increasingly looking for ways to reduce these costs, such as opting for potluck-style meals or hosting the reception at home. However, Ruru stresses the importance of *some* form of ceremony, arguing that it provides closure and honors the life of the deceased.

Looking Ahead: The Future of Funeral Services

The trends identified – a move towards direct cremation, personalized celebrations of life, and increased cost consciousness – are likely to accelerate in the coming years. We can expect to see further innovation in the funeral industry, with a greater emphasis on online memorialization, eco-friendly options, and transparent pricing. The rise of comparison websites and independent services like Everything Funeral will empower consumers to make informed choices and avoid unnecessary expenses. The future of funerals isn’t about doing less; it’s about doing things differently, prioritizing meaning and personalization over tradition and inflated costs.

What steps will you take to plan a meaningful and affordable farewell? Share your thoughts in the comments below!

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