Procrastination and Funeral Planning

Another year over and you made it through without getting that funeral plan completed. But there it is, still on your to do list. How many years have you been thinking about getting this done? If you are a procrastinator this is the one you can put off until the very end. Then it will become a job for someone else.

Still, if it is on your list there must be a reason. Perhaps you want to be the one who decides what is done and how much is spent on your last good-bye. Maybe you were the one who had to take care of a parent’s funeral and you do not want to leave yours to your children. You had a reason. What was it?

Why do we put things off? What’s the benefit of procrastination? What’s the harm?

We are naturally conditioned to avoid unpleasant tasks. It is estimated that 10 to 20% of people put off regular dental visits. Why? Not because the results are good, that is for sure. People procrastinate because they are scared. They fear the dentist. And how does that work out? When they finally see the dentist, it is because they are in pain. It is an emergency. Avoiding the regular checkup, procrastinating, does not help. It makes the dental experience more painful and even more expensive. No benefit at all. Putting off funeral planning is a lot like putting off seeing the dentist, nothing good comes from procrastination.

Funeral planning will not kill you. You will have to acknowledge your mortality, but then you do know you will die one day, don’t you? So, what are you waiting for? Do you think planning will be easier if you wait until you are ill? No, of course it will not be easier if you are sick.

Actually, the longer a person waits to get a plan in place the fewer payment options they will be able to take advantage of and the costs increase. A younger person can plan, and if they choose to, purchase insurance for their plan so when they die the insurance company will cover the funeral cost. Coverage like that does not get cheaper as we age, it is the other way around. Funeral costs, like most costs, have historically increased over time. There is no point waiting. The cost will not go down.  

Experience tells us people who complete a plan feel good and are pleasantly surprised at how easy it was. On average it takes about two hours to complete a funeral plan.  You will most likely be able to choose to have a planner come to your home if you don’t want to go to the funeral home. Planning your funeral is not difficult. Just call the funeral home and set up a time. Do not wait. 2021 will be over sooner than you think.

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