Paying with cash or check at the time of need is how most people deal with paying for a funeral. Although many within the funeral industry will encourage us to pre-plan and purchase a pre-need funeral plan, this does not always guarantee the best discount of funeral services ahead of time. Paying with cash can give you some negotiating power.
Funeral directors are caring, compassionate professionals but they are also business people. Purchasing a funeral is a consumer transaction just like any other consumer purchase you make, so you should approach it the way you would any other purchase.
Do not disclose what your actual finances or budget is. Make sure you know comparable prices from local funeral homes. Do not feel under pressure to make an instant decision. Do not feel embarrassed about bartering for deals -overpaying is not dignified.