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Funeral Costs: How to Keep it Inexpensive, Without Being Cheap

MIAMI - JANUARY 24:  A pallbearer for Poitier ...
Image by Getty Images via @daylife

The average funeral costs $6500.    Many people die with absolutely no savings.   Even if there is life insurance, it takes weeks to get the money, while a funeral is completed within a week.

Funeral homes have an easy sales pitch.  Nobody wants to sully the memory of their loved ones.   The tiniest hint of a guilt trip will have most families upgrading to the silk pillow in a second.   Here’s a secret: Your loved one doesn’t care.  I’m not recommending using garbage bags and a dumpster.   By all means, treat your loved ones with care, but don’t go overboard.

Not everyone is comfortable with cremation, and some religions don’t permit it, but it is probably the least expensive way to process a body.   It costs approximately $1400 to cremate a body and you can get very attractive urns for under $100.  Compare that to a $3500 casket and storage & transportation fees, and–from a strictly monetary standpoint–the choice is clear.

Don’t worry too much about decorating.   Flowers aren’t cheap and florists don’t tend to offer discounts to people who aren’t emotionally prepared to negotiate and who are in a time crunch to find the flowers they need.   Get a few bouquets for a small display around the casket or urn, and let the rest take care of itself.   Many of the guests will bring flowers, so the entrance will soon be decorated for free, and that’s the part that makes the first impression.

Shopping online can save you a lot of money on an urn.  Funeral homes will try to sell you a $500 urn, which may include a 1000% markup.    If you buy online, you will have to pay for overnight shipping, but that’s a small cost compared to the standard markup.  You can also find a huge discount on attractive caskets by shopping outside of the funeral home.   Federal law prohibits funeral homes from requiring that you buy a casket from them or charging you a fee for getting one elsewhere.
This may be the most ghoulish part of this article, but you can dig the grave yourself.   It’s probably not worth it for a full-size casket, but for an urn, you can save hundreds of dollars.   An urn generally only needs to be buried 18 inches deep, as opposed to the 6 feet required for caskets.  Just be sure to check with the cemetery and get the burial location right.  If you think it’s ghoulish to dig the grave, just picture digging it up.  Not fun.
Planning a funeral is never enjoyable, and it’s often expensive.  Nothing you do will make it fun, but it is possible to make it affordable.
Have you had to coordinate a funeral?  Did you take the funeral director’s recommendations, or did you cut some costs?

 

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Make Extra Money, Part 5: Domains and Hosting

In this installment of the Make Extra Money series, I’m going to show you how to pick a domain and a host.

If you remember from the last installment, I’ve decided to promote The Master Wedding Planning Guide.   Since then, I have bought the product and read enough to decide that’s it worth promoting.    That is the secret to ethical internet product.  Never promote a crap product.  Now, when I bought the Guide, I used my own affiliate link, so the $37 product will have cost me about $13,  once the commission check comes through.  You can’t do that just to get a discount because Clickbank has measures in place to ensure that you are actually selling products.

Domain Name

The first thing we need is a domain name.

You can skip this if you want to host on blogger, but I wouldn’t do that, unless $10 is a major financial hardship.  I dislike the idea of leaving everything in Google’s hands.  Even if you use blogger for hosting(discussed later), pop for the domain name.   That way, if you change your mind about hosting, you can move without losing everything.

Where should you go for your domain name?   I use NameCheap and GoDaddy.  I try to divide my domain names across each of the providers so all of my sites don’t look identical to Google.   I may be paranoid, but it works for me.

Before you order, hit Google for a coupon code.   Search for “namecheap coupon” or “godaddy coupon” and save some money.     GoDaddy is offering $7.49 domains.

How do you pick a domain name?

I try to pick something that matches the product name, or the product’s site.   In this case, the product’s site is http://www.masterweddingplanning.com and http://www.masterweddingplanning.net was available, so I grabbed it.    I would have been happy with .com, .net, or .org.   I won’t touch a .info domain.  They are generally cheap, but they cost more to renew and people assume they are spam sites.

If the exact match domain isn’t available, I look for exact matches for the product.   If that’s not available, I stick other words at the end that would be attractive to people looking to buy a product.

Acceptable domains would include:

  • http://www.masterweddingplanning.org
  • http://www.masterweddingplanningreview.com
  • http://www.masterweddingplanningguide.net
  • http://www.masterweddingplanningreviewed.org

Or nearly anything along those lines.   Other good words to attach would be “revealed”, “exposed”, or something similar.  Just put yourself in the shoes of a buyer.   Would the domain name look like something that could help you decide whether or not to buy a product?

Hosting

Your host is where your website lives.   Without a host, you can’t have a website.

When it comes to picking a host, you have some choices to make.

First, do you want to go free or paid?  Free sounds great, and if money is tight, it’s not a bad choice, but it does limit your options.

If you’re going free, you’re going with Google’s Blogger.   WordPress.com’s hosting eliminates your advertising options, as does almost every other free host.  I do know of a couple of free WordPress hosts that will let you run ads and advertising campaigns, but the performance is horrible.

Another problem with using Google is that they can decide your site violates their Terms of Service and shut it down.   It shouldn’t happen, but it’s not unheard of with affiliate marketing sites.   If you go this route, plan to move to paid hosting when you start making money.

That leaves us with paid hosting.

There are a ton of hosts out there, but only three I have personal experience with.

I won’t use GoDaddy for hosting.  I’ve never been happy with their technical support.

I have most of my domains on HostGator (c0upon code: HOSTINGBUDDY).  I’m happy with them.  Performance is good and the customer service is excellent.  Their hosting packages start at $3.96 per month.

I also have a hosting account at HostTheName.  I got that because, using coupon code “STARTUPWARRIOR”, hosting prices get down to $1 per month.   At $36 for 3 years, I couldn’t turn it down.   Initially performance was rocky, but they’ve upgraded and it’s good, now.

Once you’ve created your hosting account, you’ll need to go back to your domain name registrar and set the name servers.    At NameCheap, after you log in, you’ll go to Domains > Manage Domains and click on the domain name.   From there, click on “Domain Name Server Setup” on the left of the screen and enter the custom name server information listed on your hosting account.

When that’s done, go to your hosting account and add the domain.  If you’re creating a new hosting account, this will be your main domain and the hosting company will ask you for the information during setup.   If you’re adding this to an existing hosting account, log in, look for “Addon Domains” and follow the prompts.

At this point, you’ve chosen a product to promote and keywords/search terms to go with it.  You’ve chosen and registered a domain name and you’ve set up a hosting account to hold your website.    Next time, I’ll walk through setting up a WordPress site to make some money.

Any questions?

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