I can’t afford to die so now I sell coffins on Norwich Market

Guest post by Ruth Phelps of www.borca.co.uk

I opened my stall on Norwich Market in January 2016 and stock sustainably-resourced willow, green ash and rush baskets from household laundry baskets to bike and log and picnic hampers and much more. I additionally stock Fairtrade baskets from Palestine and seek to expand Fairtrade products.

Three months ago, in one of those middle-of-the-night mad idea moments, I decided to sell willow bio-degradable coffins direct to the public. It was an experiment. I decorated with flowers and displayed a big 6’ 6” willow coffin outside my stall.

I wasn’t sure what to expect but hundreds of people from all over the country as well as overseas and locals have stopped to congratulate me on selling coffins in a very visible way and attracted by the price which undercuts Funeral Directors’ charges for something similar by hundreds of pounds. Most of the public, like me, also see the coffin on display as a mechanism to de-stigmatise a topic many are uncomfortable discussing and promote that discourse. The local BBC & Mustard TV came to film and I was featured in the Eastern Daily Press. BBC Radio Norfolk tell me that nearly 17,000 had accessed the feature on their Facebook page within a few days.

Sales are going well with half of my customers buying a coffin to store or to give to family to store and/or make into funky furniture in the meantime. The coffins are being turned into coffee tables, wardrobes and shelving units. My favourite idea is to use one as a wine-storage cupboard.

All the coffins meet the criteria for crematorium, natural and traditional cemeteries in the UK and are environmentally friendly and sustainable products. Of course, many willow, bamboo, seagrass and cardboard coffins are also available on the internet but many with few guarantees. I’ve found that people like to see what they are buying, can see the quality and are assured of a very competitive price from a supplier they know.

We live in a time where a death pre-payment plan is considered the norm; where folk get into debt to see a loved one off at a very vulnerable time of their lives. We live in a time where the only avenue seen by many for saying ‘good-bye’ is through the services of a funeral director and the costs keep spiralling up and up.  Who can afford to die?

Whilst there will always be a demand for the usually excellent and sensitive services of a Funeral Director, increasingly people are objecting to the steep costs and are looking at DIY alternatives for all or part of the process. Environmentally, bio-degradable coffins and caskets make complete sense and natural burial sites are more and more popular although cremation still remains the cheaper option. Additionally, many people have said to me that they feel more in control and like choosing a coffin themselves in advance of the inevitable.

Some will donate their bodies to science and who knows how the disposal of bodies will be managed in future decades. But with a shortage of land and the planet in such peril from man-made global warming, a bio-degradable coffin at a more affordable fair price seems a small step in the right direction.

Look what’s waiting to land in your e-book library…..

Adventures in Funeralworld

Fresh out of the box and ready for reading, here’s the e-book that is essential for the library of anyone with an interest in anything funereal.

Or actually anyone with an interest in life.

Enough said.

Published today.

Buy it here.

 

The fashion of death…

Guest post by Howard Hodgson

THE FASHION OF DEATH ALWAYS FOLLOWS THE FASHION OF LIFE.

‘In the midst of life we are but in death, of whom may we seek for succour but thee oh Lord, who for our sins art justly displeased’ are words that most of us would have associated with an Anglican funeral service a decade ago. But this is no longer the case today. Why?

It is because the post war baby boomers are starting to die. Therefore, the children of the social revolution of the early 1960s, who ripped down the lasting vestures of Victorian society and values and replaced such discipline and order with the Beatles and Bob Dylan, are now attacking conventional death ritual as it looms towards them.

This is hardly surprising. Why would a generation who grabbed power and kept it do anything else? Paul McCartney, aged 74, still fills stadia all over the world with people of all ages to listen to his music, most of which was written over 40 years ago.

We are talking of a pampered generation from birth that believes in ‘oh how to die’ as much as it did in ‘oh how to be a teenager’ all those years ago. Therefore, it is not surprising that it questions the need to have a traditional funeral – and all the costs associated with it.

This is because these folk are less religious and more allergic to formality than their parents. Therefore, they don’t like the cost associated with a distressed purchase and, in the case of some, would prefer not to be forced to attend a morbid occasion but a more colourful celebration of life or even have a party instead. After all, we are talking about the original sex, drugs and rock and roll generation.

So, while there is no escaping the pain of bereavement, it is everyone’s can i order cialis online in canada right to choose how to deal with it – and this is their way and it follows 100% their way of living.

As a result, today some families are shocked and concerned that a traditional funeral will cost around £4,500 while they are quite content to spend more on a family holiday and four times that sum on a wedding. This is pure baby boomer thinking.

At Memoria, we have developed three options of direct cremation to meet this new demand. Interest has been very considerable, as it has been in the same options available in the form of three pre-arranged direct cremation plans. Such options allow a family to have a one hour service of their choice while reducing the costs by between 55 – 80% dependent upon the option selected.

Last year we conducted just a mere handful of direct cremations. This year the total equals about 7% of our turnover. While I don’t expect direct cremation to grow to become 100% of the market, I do expect it to grow to over 40% in the next decade.

Furthermore, I can report that such growth is being driven by social groups A, B and C, while D and E still prefer to arrange traditional funerals. Therefore, it is safe to say that so-called ‘funeral poverty’ has little or nothing to do with this new trend.

Nevertheless, the introduction of direct cremation services has widened the choice available to all and this is a very good thing too for people of limited financial means, while not having any affect on those who still wish to choose a traditional funeral complete with hearses and limousines etc.

So there is absolutely no reason why ‘Abide with me’ should not be sung in one service and ‘Hey Jude’ played in the next.

Howard Hodgson

www.low-cost-funeral.co.uk

Sizzling Summer

Like you, at GFG Towers we’ve been waiting for summer to start. No sign so far, so rather than watching the umbrellas go up at Wimbledon yet again, we’ve wangled invitations to a whole number of gatherings of the great and the good in funeralworld. Indoor ones.

First up was a chance an invitation from Anne Barber of Civil Ceremonies Ltd to speak to a room full of celebrants at historic Buckden Towers last Saturday on the subject of ‘What lies ahead’.

In between a presentation about the Wesley System,  a delightfully entertaining account from Evelyn Temple on becoming a funeral director, an encouragement to embrace Tea, Cake and Death (by the GFG Editor wearing her Poetic Endings hat) – and a rather stern warning to celebrants about the advance of direct cremations from Catherine Powell, we had a chance to talk about the future of the GFG and what we want to achieve. Despite the lack of Powerpoint presentation (and indeed any preparation other than a few scribbled notes; the fallout from the result of the EU referendum 24 hours earlier had sort of taken precedence over formulating a professional speech..!) the audience seemed to be interested to hear what we have up our sleeves. We met some very nice people, and got to hang out with them for a ‘Damage Limitation’ workshop at the end of the day where various disastrous funeral scenarios were posited and suggestions for remedying the situations shared.

Next up was a 200 mile round trip to Birmingham yesterday to the ICCM Seminar on Tackling Funeral Poverty. This was a corker! Delegates from across the sector of cemetery and crematorium management gathered together with a smattering of outsiders to listen to six speakers – Simon Cox from Royal London, Alex Strangwayes-Booth from the BBC, Heather Kennedy from Quaker Social Action, Nick Willcocks from yourfuneralchoice.com, Martin Birch from Cardiff City Council and Howard Hodgson… a well known name in the funeral industry.

Simon Cox kicked off the proceedings with a review of the Royal London 2015 findings and a sneak preview of the 2016 findings. His overview of the rising costs of funerals and the lukewarm government response to the Work and Pensions Select Committee’s recommendations was informative and detailed, and he ended with a warning about the projected cost of a funeral reaching £10,000 by 2033 if average funeral costs continue to rise on the same trajectory as in recent years.

Alex’s presentation detailed her research into the rising number of Public Health Funerals in the UK for a report for BBC News. She made a Freedom of Information request to all the councils responsible for carrying out Public Health Funerals to discover costs and numbers from 2010 to 2014.

Of 409 councils responsible for Public Health Funerals, 300 responded fully, providing her with months of data crunching to discover some fascinating and alarming facts. The North West of England carries out the most Public Health Funerals, the South East region has shown the biggest rise in numbers during the time period examined (32%), the South West region showed the biggest rise in cost to local authorities of Public Health Funerals (63%). And Birmingham carried out 245 Public Health Funerals in 2014. Councils recover approximately 50% of the costs involved, which amount to £1.7m p.a. Alex noted a huge discrepancy in the amount paid out by local authorities for each funeral, ranging between £300 and £2,000, and noted that there is no baseline.

During questions to the first two speakers, Julie Dunk from the ICCM spoke about the huge variation in the standard of provision of Public Health Funerals across the UK. Some local authorities offer a service with a minister, others just delivery to the cemetery or crematorium. There is no legal requirement to offer anything other than just the disposal of the body, but particularly in local authorities where Public Health Funerals come under the department for bereavement services, the standard of provision of funerals seems to be better. A national minimum standard would be generally approved of, but with ever dwindling council budgets, this scenario seems a long way away.

Angela Abbott, Bereavement Services Team Leader from Milton Keynes Council, shared her innovative solution to the quality and cost of providing Public Health Funerals – she and a colleague carry them out themselves. When they realised over £150,000 had gone out of the Milton Keynes council coffers to pay funeral directors to provide funeral services in recent years, they rolled up their sleeves and started collecting bodies and ordering coffins directly. As word got out, families who wanted some help with logistics but didn’t want to use a funeral director’s services got to hear about what Angela and James were doing, and they have now helped around 20 DIY families as well as carrying out 60 or so Public Health Funerals. The savings made to the council budget have allayed any concerns from above, and the quality of funerals they provide now meet Angela’s exacting standards – ministers, flowers and music are all a matter of course.

After coffee, we sat back to hear a response from Heather Kennedy, who talked about her work at QSA, the Funeral Poverty Alliance and the Fair Funerals Campaign. To date, 560 funeral director branches have signed up to the Fair Funerals Pledge  representing 15% of the industry. She outlined some of the things that the Fair Funerals Campaign are asking for: municipal funeral services, setting of standard fees, better access to public health funerals, transparent fees and partnership with other departments.

Heather was followed by Nick Willcocks from yourfuneralchoice.com, the online price comparison website. He outlined the need for reliable online price comparison of funeral director services and explained how the website worked – and got rather a rough ride from a FD among the audience who seemed annoyed that the NAFD hadn’t been asked first before the website was launched.

We retired for lunch before the questioning became too tetchy, and sat with the lovely Charles Howlett from Chilterns Crematorium who talked about the huge changes he has seen during his life in the industry, and how much he welcomed discussions about doing funerals better rather than the merits of various cremator machinery, as ICCM meetings of the past had tended to focus on. Then we were back in the room for the last two speakers, and very interesting they were too.

Martin Birch talked about the municipal funeral service that has been provided for residents in Cardiff for 18 years by the council, in partnership with local funeral directors who tender for the opportunity. This service is available to any resident in Cardiff, and helps control local costs, offering a quality funeral with a hearse and one limousine, all FD services including collection, care, unlimited viewing during office hours and including one out of hours visit all for £1,030. Martin cited the local average costs for a funeral where cremation is chosen including disbursements other than a minister / celebrant as £4,500, whereas the comparable Cardiff City Funeral Service costs £1,708. Similarly local average costs for a funeral where burial is chosen are £5,000, while the CCFS offering is £2,320. Twelve per cent of funerals in Cardiff are carried out by CCFS.

We liked this very much indeed!

Then finally, the last speaker stepped up to speak about The Fashion of Death. Howard Hodgson was never going to be uncontroversial. We listened. We looked round the room and everyone was listening. And we asked him whether he would like to write a guest blog for the GFG. Watch this space – he was delighted to accept.

Just as a final note, at the end of the seminar there was a sharing session and the chair invited the various speakers to join different tables and talk about what they had heard during the day. He also suggested that the funeral directors sitting together at a table might like to do the same, as the ICCM members would undoubtedly be interested in hearing their thoughts. There was a flurry of movement as people rearranged themselves in groups.. and the FDs stayed exactly where they were. They didn’t move.

We mused on this metaphor as we drove back in the rain. The times they are a’changing, but some people just don’t want to budge.

Anyway, tonight we’re off to a party for the First Findings of The Corpse Project. We’ll report back. And next week holds a Cremation and Burial Communication and Education three day conference and a Child and Baby Funeral Choice seminar from the Child Funeral Charity. Lots going on at the moment so it’s probably just as well the sun hasn’t made an appearance yet.

Burgundy stays Burgundy, Lilac becomes Turquoise

The Telegraph & Dignity

In Burgundy coloured news 

The Telegraph has been hard at work this month, convincing us that the funeral situation in the UK really is dire.

On the 10th June, we heard about a grieving gentlemen in New Milton, Hants, who is digging a grave in his back garden to bury his 101 year old mother, unwilling to pay ‘the outrageous cost of a funeral’.  According to the article, the resourceful John Wright is even considering purchasing a large fridge to avoid the cost of keeping his mother in the local mortuary.

The article claims that a local funeral director (as yet unnamed) quoted £2500 just to take Mr Wright’s mother’s body to the church in a hearse.

Anyone concerned about this sorry state of affairs and wondering whether they’ll also need to find the space for a large fridge in their garage, need not have worried.  The Telegraph had it all in hand.

On the 13th June, another article appeared in The Telegraph, this time comparing funeral costs and an analysis of available life insurance policies and funeral plans, suggesting that nothing on the market truly covers the cost of a funeral.

Both articles ended with an endorsement for The Telegraph’s own funeral plan, in partnership with the burgundy coloured funeral group, Dignity PLC.  As well as a generous £50 discount for all Telegraph readers and a link to a glossy sales website with further hysteria about the cost of funerals and how it’s only going to get worse.  Much much worse.

How about an unbiased report into funeral costs, not funded by anyone with a financial interest in selling funeral plans?   Or non-hysterical media coverage of the cost of a funeral with no sales agenda?  Or a realistic review of the many viable affordable alternatives that aren’t package deals out there?

Anyone out there? Anywhere?

Cooperative Funeralcare
The once lilac Cooperative Funeralcare has undergone a rebrand and become turquoise

In lilac coloured news

Following the sale of its five crematoria to our burgundy coloured acquaintances Dignity Plc for £43m, the lilac coloured Co-Op freed up lots of cash to spend on a comprehensive rebrand of its businesses, also promising to invest in improving funeral parlours under its Funeralcare brand.

The group has already returned to its classic clover-leaf logo, which first appeared in the late 1960s.  The aim was to be reassuringly retro, harping back to the good old days of shops, produce and dividend stamps, before the days of controversial CEOs with massive pay packages sullied the Co-Op name.

As part of the rebrand, the shade of lilac that characterised Co-Op’s British High Street funeral chain, Funeralcare, is no more, replaced by a calmly reassuring turquoise.  Personally I was hoping for a garish shade of parakeet green, not dissimilar to the Queen’s birthday outfit.

The updated Funeralcare website is already live and rumour has it that the first funeral home to be refurbished with the new branding has been completed in Scotland.   We don’t yet know whether funeral directors will be issued with turquoise cravats, but we’d very much like to find out.

Whether the re-brand is anything other than a lick of paint and a wardrobe change remains to be seen.  In the meantime, turquoise is the new lilac is the new black.

Keeping an eye on the costs

Hats off to independent funeral booking website Funeralbooker for publishing their findings on the costs of funeral disbursements.
 
Funeral poverty shows no sign of abating as new data reveals the most expensive crematoria and cemeteries in the UK
 
Key points:
 
THE COST OF DYING CONTINUES TO RISE.
 
NEW DATA REVEALS THE SOUTH OF ENGLAND IS ONE OF THE MOST EXPENSIVE PLACES TO BE CREMATED OR BURIED IN THE UK.
 
MASSIVE INCREASE IN COSTS YEAR ON YEAR ASSOCIATED WITH LOCAL AUTHORITY OWNED CREMATORIA AND CEMETERIES.
 
Beckenham in Kent; Crawley and Chichester in West Sussex; Leatherhead in Surrey and Nuneaton in Warwickshire all tie for first place as the locations of the most expensive crematoria in the UK – with cremation costing a staggering £956.
 
The cheapest place to be cremated in the UK is the City of Belfast Crematorium, where it costs just £364.
 
Prices are set by local councils for public facilities or by private companies, like Dignity PLC, for the privately owned  ones.
 
Around one third of the entire cost of a funeral is for cremation; around half if a burial is opted for.
 
They have collated the costs of every cemetery and crematorium for 2015 and 2016 and produced four data-sets with searchable maps.
 
When it comes to burial, London takes the top slot, with four cemeteries in Wandsworth all charging £4,561 apiece.
 
Northern Ireland again is the cheapest place in the UK to be buried.
 
There have also been massive, above-inflation rises in costs for both burial and cremation.  At Crownhill crematorium in Milton Keynes, prices have risen by 29.7%, year on year. The crematorium is owned by the local authority, as are the other crematoria on the list with the largest price rises.
 
It’s the same story when it comes to burials. North Watford Cemetery in London tops the list with prices increasing by 49.1% this year compared to 2015.
 
“Cuts in council funding may mean that many councils are turning to crematoriums and cemeteries to balance the books –  these price increases could be a hidden cost of austerity” said James Dunn, the co-founder of Funeralbooker.
 
 
FOR FULL DATA AND SEARCHABLE MAPS SEE:
 
 
2016 UK Burial Cost % increases from 2015
https://funeralbooker.com/resources/uk-burial-costs-rises-2016
 
 
2016 UK Cremation Cost % increases from 2015
https://funeralbooker.com/resources/uk-cremation-costs-rises-2016
 

Help yourself to some of this

When John Taplin of Open Prepaid Funeral Plans first proposed that we work together to create a GFG funeral plan I told him to f*** off.

Not in so many words. I was icily polite. I was practised in the art having previously spurned the seductive sweet talk of another funeral plan pedlar which wanted to fly me to Scotland and show me how shiningly ethical it is. In their case I explained (courteously) that I failed to see how it could be a good deal for the consumer to lavish hospitality and double-jointed accountancy on an innumerate dingbat like me.

John persisted. What did we want a funeral plan to look like? I fired impossible specifications at him and hissed “See what I mean? Can’t be done, cannit?”

And he replied, “Oh I think it can.”

So (finally) we met and the rest is, as they say, the present and the future. We showed our freshly-minted prepaid plan to a fifth-generation funeral director of impeccable credentials and all the risk aversion you could ask for. He mulled and he mused and finally he spoke: “With this plan I get to charge every funeral at the full at-need price.” I’d been blind to that because John and I had focussed exclusively on the interests of the consumer. But you can see why our heritage FD liked what he saw when you consider this from Golden Charter’s Ts and Cs:

“Upon completion of the Beneficiary’s funeral arrangements the Selected Funeral Director will be entitled to payment from us … The Selected Funeral Director will have no recourse against us or the Trust in the event that the sum so intimated by us is lower than the relevant parts of the original Funeral Plan cost”

Yes, what an absolutely crap deal for consumers. I pay for a £3500 funeral and get one costing hundreds of pounds less — a bit like finding myself in a 2 star hotel when I’d paid for 4.

And yes, what John and I had created is a thing of unparalleled and luminous beauty which is also very badly needed. We call it GFGPlan. 

Your conventional prepaid funeral plan is beginning to look as dated as the mullet. Imagine a restaurant that serves only fixed 3-course meals cooked to recipes first published in Woman’s Own in 1958; that’s what you get with a conventional funeral plan.

Today’s funeral buyer wants cafeteria service – a bit of this, some of that, no limousine thanks.

Today’s funeral director doesn’t want to have to shoulder the risk of its plan provider finding itself a bit short.

The beauty of GFGPlan is its simplicity. It’s a pot. Into which you put money. As and when. It grows at 4% pa. None of the money is spent on salaries, commissions or freebies for noisy bloggers. It empowers the consumer to buy what they want and no more than they want. It pays a proper price to funeral directors. 

Is it risk-free? If there was a total global financial meltdown, no. But if every GFGPlan-holder died today, the trust fund would be able to cover every single one of them. Can any other prepaid plan provider can say that?

If you’ve not yet studied GFGPlan, we strongly recommend that you do so. Start here.

Frankly speaking

In a report published today the Work and Pensions Committee says the UK Government should follow the lead of the Scottish Government and conduct a broad review of burials, cremations and funerals, with a view to making changes that have a long-term impact on funeral inflation and reduce funeral poverty.

The Committee also says evidence it heard in its recent inquiry into publicly funded bereavement support suggests the funeral industry may not be operating in a way that serves bereaved, vulnerable people well. This evidence on the operation of the funeral industry has been passed to the Competition and Markets Authority.

Frank Field MP, chair of the Committee, said: “We did not set out to inquire into the funeral industry but it soon became apparent that the interaction between an opaque and outdated public system of bereavement support and a market in funeral services which simply does not operate “normally”, is causing problems.

Read the full report here

The NAFD has issued a statement in response calling into question ‘some highly inflammatory and unsubstantiated remarks made in the report’ – read it here

Counting the cost

Fbooker

 

Because of the stubborn refusal of all but a small number of undertakers to post their prices online, there’s a commercial opportunity for an entrepreneur who can offer a useful price+value comparison service for bereaved people.

First out of the blocks was FuneralChoice which offers its service free to undertakers and consumers and depends on mystery shopping to source prices, a labour-intensive, never-ending process. Undertakers are listed whether they want to be or not. Coverage now looks pretty good. The site is quick and clear. Clients can’t leave feedback, but the site records GFG and NDC recommendations. How does the site make money? By offering a freemium service: “… we are asking funeral directors if they want to pay a subscription in return for adding additional details for their profile and tailoring their profile to their catchment area.”

New kid on the block is FuneralBooker. It’s free to consumers but – here’s the catch – FuneralBooker charges undertakers a percentage of each funeral referred by the site. It’s a calculated risk: undertakers must ask themselves if they can survive without it. While they make up their minds, coverage is at present less than optimal. Value is determined by customer feedback. The site offers slightly more functionality than FuneralChoice. It’s lean, intuitive and fast, a nice piece of work.

Both sites are run by decent, intelligent people.

Whether or not one or both will thrive is a tough one to call. What we do know is that the profits of funerals are not large, undertakers are unwilling to share them with third parties and they disdain interlopers who seek to make a few bob out of them. What we also know is that consumers are more price conscious than ever and looking for value. Price tells a consumer next to nothing about service values, but it’s a useful starting point.

The case for displaying prices on websites just got even stronger.

 

 

 

 

Intellectual poverty

“People are also turning to alternatives to the traditional funeral. Some are holding do-it-yourself funerals, and even having to bury relatives in their back garden. A number of companies are offering cut-price funerals, including “direct” cremations that have no formal service attached to them.”

That was Emma Lewell-Buck MP presenting the Funeral Services Bill in the House of Commons yesterday and somehow managing to name-check Royal London three times in the first 4 paragraphs.  

You’ve read about this because it’s everywhere — the lurid claim that disadvantaged people are burying their dead in their back gardens. I expect you felt, as we did at the GFG, that Ms Lewell-Buck under-egged her argument. For she must know as well as us that poor people are routinely and in sharply rising numbers also disposing of their dead in wood-chippers, acid baths, on garden barbecues and in country lay-bys. 

 What’s odd/interesting/remarkable is that no one seems to have queried her claim. Anybody in possession of a right mind would, you think, have smelled an XL rat and called her bluff. 

 Nope.  The readiness of the great British public, including the great British press pack, to suspend their incredulity when presented with ocean-going baloney about funerals is amazing.

 So, well done Ms L-B, you seem to have got away with it. Well done for stigmatising DIY funerals and direct cremation while you were about it. Well done for branding a public health funeral a pauper’s funeral. And well done for distracting people from serious discussion of the issues. 

 We are sorry to hear that your Bill will lapse due to lack of parliamentary time.

Emma