
Many people pass away without money set aside for funeral expenses. When this happens, families may not have the funds needed to cover the costs and may have to look for help from other sources. Below are a few options, along with their benefits and challenges.
HELP FROM FRIENDS
Asking friends for help can be acceptable when done honestly and respectfully.
Pros
- Money can go directly toward funeral costs
- Friends may want to help honor the person who passed
- Reduces financial stress on the family
- Common and accepted in many cultures
Cons
- Asking for money can feel uncomfortable
- Disagreements can happen if use of funds is unclear
- Family conflicts may arise over who controls the money
- Emotional concerns about the size of donations
HELP FROM A CHURCH
If the person belonged to a church, it may be able to help in some way.
Pros
- Emotional and community support
- Funeral services may be free or low-cost
- Help sharing fundraising efforts
- Pastors may lead services for a small donation
- Some churches help with food or supplies
Cons
- Financial help is not guaranteed
- Any funds may be limited
- Rules and expectations vary by church
- Money may go directly to providers, not the family
ONLINE FUNDRAISING ("CROWDFUNDING")
Websites like GoFundMe allow families to ask for help online.
Pros
- friends and family can help from anywhere
- Easy to set up and share
- Funds can help with funeral and related costs
Cons
- No guarantee enough money will be raised
- Funds may not be available right away
- Managing a fundraiser can add stress
- Fees are taken from donations
- Public campaigns may feel uncomfortable
These options can help in an emergency, but they are uncertain and stressful. Planning ahead can help protect your family from financial hardship and difficult decisions.