This is an opportunity to pay for your funeral in advance and to select the arrangements that you would like.

If you are buying a pre-paid funeral plan for yourself read the contract carefully. You can if you are in any doubt about the terms contact your local Citizens Advice Bureau or your local Trading Standards department.

Funeral costs have risen quite dramatically over the last few years, a good plan from a reputable company could be an investment and a stress relief for those you leave behind. Some companies offer you the choice of paying with either a single payment or flexible installments - Choose a plan that suits you.

It also means that all your requests are taken care of. At the same time you may consider the making of a Will.